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How To Raise Your Auto Accident Insurance — an article on the Smart Living Network
April 6 at 5:08 AMComments: 0 Faves: 0

How To Raise Your Auto Accident Insurance

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Your accidents are raising your auto accident insurance rates, and you must be aware of how your finances are impacted every time your driving record changes. The insurance company is checking to see if your driving record has changed, and you need to try to mitigate these changes in your premiums. Each step listed below can give you the best insurance rate so that you can afford to keep your car on the road.

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1. What Type Of Insurance Do You Have?

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The cheap liabilty car insurance that you have impacted how much your rates will change. You can get a collision policy that will not change too much because it was not that expensive, to begin with. However, you need to be careful of a comprehensive policy because it is much more expensive on the whole. You could get a cheaper comprehensive policy, but that policy will rise in price if you are in an accident.

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2. Can You Clear Up Your Driving Record?

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There are methods you can use to clean up your driving record so that you do not have items stay on your driving record for longer than they have to. You might need to get yeh court to expunge something from your record, or you could allow these minor traffic violations to fall off your record.

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3. You Must Ask Your Agent For Help

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You must ask your agent for help. Only your agent can write up a new policy or change your parameters so that you can save money on a new policy. You could get a new policy that is cheaper than what you had, or you could change to a new company that will forgive the traffic offenses that you have. You could ask the agent if there is a special policy that will so cheap you never need to worry about how much it costs, or you could try a new firm.

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4. New Companies

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Change to a new company when you are trying to save money. These companies often forgive your accidents because they want to get you on their rolls. They will do anything to make you a part of their company, and they will let you know that you pay much less money on your policy for the first year. You might find a company that will help you get a new policy that has the amenities you need, and you could use the new policy for years because this company also forgives your first accident.

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5. Call The Insurance Company

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Your rate could jump quite a lot when you have your first accident because the insurance company has rules that state they need to raise your rates so much for every new accident. They will check your driving record every time they renew your policy, and you should call them for help if you think that is needed.

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6. The Standard Jump In Price

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Most policies will jump 5-10% in price when you are in an accident. The company wants to protect itself against risk, but it cannot do that if it does not ask you for more money. You should keep this in mind when you are talking to your agent. If you can go somewhere else to avoid that jump in price, you will save money. If you are not certain how much you can save, you might need to stay with the same company. Wait for a time when they can give the price you deserve. These companies often give you new discounts when they come out with new programs, and you should only invest in companies that have low price increases every day.

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7. Conclusion

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The insurance plan that you have should be managed with care because it will rise in price if you have been in an accident. You must remain in contact with your agent or the insurance company to get the best prices. These companies often want to work with you because they need your business. A company that offers you forgiveness for your accidents might help you save money, and they might forgive your first accident even after you have signed up for a policy. You simply need to decide which plan is best for you.

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