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How long does it take car insurance to go down?
I have a few tickets and accidents on my record. I saw an increase in my insurance at my renewal. How long will it take for my insurance to go down?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While the length of time it takes for tickets and accidents to fall off your driving record depends on where you live, you can reasonably expect your insurance to go down over time.
Most accidents and tickets fall off your record after three to five years. If you maintain a
clean driving
for that time, your rate should continually decrease.Since
car insurance
is based on risk, you must prove to your insurance company that you are a good driver. If you continue to get into accidents or get tickets, your rate will increase as your insurance will expect you to submit more claims.If you are unhappy with your current rate, shop around. Use a free app like
Jerry
or request quotes from insurance companies directly. Although you have accidents and tickets on your record, you may be able to find a lower rate with another company. Every company has a unique way to rate policies. You could find one that doesn’t rate incidents as negatively.View full answer
- Gregory R.
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