Auto insurance is more expensive after an accident. If the insured was at fault, other agencies will take a tougher stance to negotiating and will not be willing to give low rates to that driver. Auto insurance prices are heavily dependent on the client's driving record. Someone who has a series of accidents in their record will pay more than the standard rate.
Also, agencies will be interested in the specifics of each accident. If the accident was caused because the insured choose to ignore a traffic law, getting coverage at low prices will be very difficult, but not impossible.
High risk drivers can still qualify for low cost auto insurance if they play their cards right. Their main priority is to reduce the insurability risk. This is a measurement used by agencies to determine how likely a motorist is to cause an accident. High risk drivers should take a defensive driving course. This always improves the standing with the majority of carriers.
Comparing online auto insurance quotes is also an essential step. The insurance market is highly competitive and there is always a chance to get cheaper prices with another carrier. Comparing prices can help even applicants who do not want to change carriers as they will know what other companies are charging, a thing which can be used when negotiating a renewal.
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