An increase in the cost of car insurance can be frustrating, especially if you haven't filed a claim and have a clean driving record. But know that insurance premiums don't increase on a whim and that the reason for a rate increase is almost always related to insurance risk. Car accidents and traffic violations often explain the increase in insurance rates, but there are other reasons why car insurance premiums increase, such as a change of address, a new vehicle, and zip code claims. The violations listed in your motor vehicle report, especially a drunk driving violation or several speeding tickets, indicate to your insurance company that you are more likely to have an accident than a driver without violations.
The more violations you have, the greater the risk of filing a claim that will result in automatic rate increases. Even a minor traffic violation could increase the cost of your auto policy. Keep in mind that insurance companies won't increase your rate due to a traffic-related violation, such as a parking ticket. As with violations, accidents with the fault of your driving record indicate that you are at risk of having another accident, and insurance companies will charge you the corresponding price.
You may ask: Will my insurance increase if I file a claim for an accident that isn't my fault? In some cases, yes, even accidents that you didn't cause can increase your rate in states that allow it, since insurers have data that reveals that some drivers are prone to no-fault accidents. Even accidents that you didn't cause can increase your rate in some states. If you got discounts for not having fines or accidents on your driving record, the increase in car fares will double. Not only will you be charged for the violation and accident, but you'll also lose the associated discounts.
Other common discounts that you could lose if your situation changes are those of owning a home, going paperless and having more than one product insured with the same company. The insurance company and the insured will pay the chosen appraiser and bear the costs of the appraisal and the arbitrator. These are the main types of car insurance coverage, but there are more types of car insurance coverage available that might be worth discussing with your insurer. Your Progressive home insurance quote will be based on several factors, such as your location, claim history, and property details.
NJM even offers a discount on car insurance policies with full coverage, meaning that you can get more coverage for a lower price than elsewhere. Carol Pope is an insurance writer for Bankrate and, before joining the team, she worked as an auto insurance agent for 12 years. Coverage is available to virtually every type of driver, making their auto insurance coverage generally accessible, even for consumers with an imperfect driving record. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here.
Filing a car insurance claim can be a difficult process, and you're not the only one who has questions about how things work. Like any auto insurance company, Progressive can deny claims if it discovers that you misrepresented something about the incident, or if you don't have the policy limits to cover a claim. If you're facing a premium increase on your next policy renewal, it's worth considering looking for a new auto insurance company. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.