McKayla Girardin, Car Insurance Writer
@mckayla_girardin
An accident stays on your Progressive insurance record for 3 to 5 years. Progressive factors the accident into your insurance premium for the first 3 years. At that point, the accident no longer affects your premium, but it will still show up on your record and may affect your eligibility for certain discounts. After 5 years, the company no longer keeps a record of that accident.
Certain customers might also be eligible for one of Progressive's accident forgiveness benefits:
Small Accident Forgiveness
Your rates won't go up for your first small claim of $500 or less. In most states, you're eligible for this benefit as soon as your Progressive policy is active.
Large Accident Forgiveness
Progressive won't raise your rates after an accident if you've been a customer for at least 5 years and accident-free for at least 3 years.
Although your driving record and claims history heavily impact how much you pay for car insurance, providers use a wide variety of factors to set rates. If you have a less-than-perfect record, the best way to find the cheapest car insurance is to compare personalized quotes from at least a few different providers.
People also ask
Why did my Progressive rate go up?
Your Progressive car insurance rates may have gone up due to an auto accident, a traffic violation, an address change or a new vehicle being added to your policy. Other potential reasons why your Progressive premium went up include factors out of your control, such as increased claims in your ZIP code.
In addition, recent trends have driven up auto insurance costs across the board, not just for Progressive. For instance, inflation has increased...
read full answer by Candace Baker, Car Insurance WriterHow much does your insurance go up after your first accident?
The cost of car insurance goes up by an average of 48% after your first at-fault accident, or around $348 per year. The exact amount that your insurance premium will increase after your first accident depends on your insurance company, what state you’re in, the extent of the damage, and the circumstances.
Not-at-fault accidents will raise your rates by an average of 12%, since filing a claim still costs the insurance company money. However, California...
read full answer by WalletHub, Financial CompanyHow can I get cheap insurance after an accident?
You can get cheap insurance after an accident by shopping around for the lowest rates, by reducing your coverage, and by taking advantage of all the available discounts. Right now, the cheapest car insurance companies for drivers with one at-fault accident are State Farm, GEICO and USAA. It’s also important to point out that any increase in your premium is temporary, as an at-fault accident will usually fall off of your record after 3-5 years.
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read full answer by WalletHub, Financial CompanyDid we answer your question?
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