It's no secret that auto insurance rates can increase after you get into a car accident. If the crash was not your fault or you have no prior accident history, the amount of the increase may be marginal, or the rate may not even change at all. But if you are found to be at fault or the accident was a major one, higher premiums should be expected. Fortunately, there are some ways you can minimize this uptick in cost.

How to Bring Auto Insurance Rates Down After an Accident

1. See If Your Policy Includes Accident Forgiveness

Over the course of an average driving life, a person gets into three to four auto accidents. Many car insurance companies understand this reality, so they offer accident forgiveness clauses in policyholder contracts. In most cases, this clause will only take effect if the accident is your first one.

Accident forgiveness is typically an add-on feature to an auto insurance policy, but a driver may not be aware that they have such coverage in place. Check your policy's fine print to see if you carry and qualify for this benefit. If so, take advantage of it so you aren't saddled with higher rates.

2. Raise Your Deductible

A deductible is the out-of-pocket cost you must pay before your insurance kicks in and starts covering accident costs. In general, the higher a policyholder's premium, the lower their deductible.

Amending your policy and raising your deductible after an accident will help offset higher rates. Just be aware, however, that doing so increases your financial responsibility if you get into another accident.

3. Contact Your Insurer for Possible Discounts

After an accident, policyholders should seek insurance discounts wherever possible. Providers offer discount programs that drivers may not know they qualify for. For instance, many insurance carriers extend cheaper rates to students, active duty military members, longtime customers, and those who drive less than 10,000 miles a year. Call your provider to explore possible discounts in more detail.

When you're in the market for new auto insurance, contact Aaron Insurance Agency. Since 2000, they have been serving clients throughout the Dothan, AL, area. They are an independent insurance agency offering auto, motorcycle, boat, and RV policies, among many other coverage options. Call (334) 712-0777 or visit them online to request an insurance quote.