Progressive has two accident forgiveness programs: 1) Progressive customers won’t see their rates go up for certain not-at-fault claims of $500 or less and 2) If you’ve been a Progressive customer for at least five years and accident-free for at least three years, your rate won’t go up for having an accident of any scale. The first type of Progressive accident forgiveness applies to all Progressive customers and starts as soon as your coverage does. Eligible incidents include things that are out of your control, such as hail damage or a cracked windshield. The second accident forgiveness benefit works more like a loyalty program.
Progressive accident forgiveness applies regardless of whether you are at fault, and enrollment is automatic in the states where it’s available. Unfortunately, Progressive doesn’t offer any additional information about which states have accident forgiveness, so you’ll have to call with your policy number to see if you qualify.
Accident forgiveness is a one-time benefit that applies to one accident per policy, not one accident per driver. It’s also important to remember that the accident still shows on your driving record. That means it will be visible to other insurance companies for three to five years, and it could still cause higher premiums with another insurer.
The best ways to lower your car insurance after an accident are to reduce the amount of coverage that you pay for and compare quotes from multiple insurers. 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 48%, and the increased cost lasts 3-5 years.
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...
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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