Auto Insurance - If you are involved in an accident.
Your driving record and claims history will be major factors in determining your auto insurance rates. Protecting against risk will cost more if you have cost the carrier money due to at fault accidents.
If you have more than one accident or ticket on your driving record, you'll likely be placed in a nonstandard company, which charges higher rates. In addition, companies can add penalties - called surcharges - to your premium for major driving offenses and accidents resulting in property damage of $1,000 or more. Surcharges are mandatory for rate-regulated companies and stay on your premium for three years.
Here's what to do (related to your car insurance) if you have an accident:
 If a ticket is issued, plead not guilty and try to a least fight it. You can not get in more trouble for fighting a ticket. Plus if you fight your ticket your insurance can not go up until you become guilty.
If you are found at fault (Depending on what state you are in), an accident can be surcharged from three full policy years, to seven full policy years.
If you are found at fault and your rates go up, consider buying a junker if you can bear driving it for awhile. The premiums will be much lower.
Use our comparison quote site so that you can see for yourself how much things can cost or how much you can save.
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