Monday, October 23, 2017

How Long Does an Accident Stay on Your Record?

Unfortunately, you’ve been involved in an accident. Thankfully, no one was hurt, but you’re at fault. Right away you naturally wonder how this will affect your insurance premiums. 

We hear questions like this a lot.  Tickets and accidents usually cause spikes in your car insurance rates and no one wants that. 

The good news is that they eventually drop off and your rate goes back down; the bad news is that it typically takes 3 years for that to happen. 

SAV-ON’s 'Goal Date' Program to the Rescue!

With SAV-ON’s 'Goal Date' program, we’ll get you back to lower cost preferred rates faster than anyone! We’ll work with you, and as soon as you qualify for reduced rates, we’ll let you know and get you saving again! No other insurance agency has this program.

If you get a ticket, you may be able to avoid having a surcharge on your policy by taking a defensive driving course and getting the ticket removed.  This will depend on your past record and what the court offers, but it is a good option!

Reduce Premiums with a Multi-Policy Discount

If your rates do go up, make sure you are taking advantage of all other discounts to offset the increase.  Bring all of your insurance to SAV-ON so you take advantage of our generous multi-policy discounts.  

Another option is to raise your deductible for a while so you pay more out-of-pocket in an accident, but get a lower monthly rate.  

Have questions?  We're always available to help! Just give SAV-ON Insurance a call at 888-867-2866 and schedule a free review to see what is available and how we can keep your rates manageable even after an accident. 

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