Candace Baker, Car Insurance Writer
@candacebaker
Yes, Erie has accident forgiveness for car insurance customers. Erie accident forgiveness applies to one accident every three years, and it can be earned for free if you've been an Erie customer for at least three years.
Keep in mind that Erie accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past three years, the other named drivers cannot have an accident forgiven.
On average, Erie premiums go up by 50% after an at-fault accident. This just goes to show how much of a money-saver accident forgiveness can be. But even if you don't qualify for Erie accident forgiveness, there are still other ways to lower your rate after an accident.
For more options, check out WalletHub's picks for the best accident forgiveness companies. You can also learn more from our accident forgiveness guide.
People also ask
How can I lower my car insurance after an accident?
One way you can lower your car insurance after an accident is by reducing the amount of coverage that you pay for. Another way to lower your premium is by comparing quotes from multiple insurers and finding a cheaper one. You can also take a defensive driving course and search for additional discounts from your current insurance provider. On average, an at-fault accident raises premiums by about 50%, and the increased cost lasts 3-5 years.
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read full answer by WalletHub, Financial CompanyIf a car accident is not your fault, does your insurance go up?
If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.
Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And...
read full answer by WalletHub, Financial CompanyHow long does a car accident stay on your record?
A car accident stays on your record for insurance for three to five years, depending on the state and insurance company. After that period, an accident no longer appears on a driver’s record for insurance purposes and will not affect car insurance premiums directly.
Just remember that even if the record of the accident goes away after three years, it could take as long as five years before a driver is able to once...
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