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Will my car insurance decrease every year that I don't have an accident?
If I am accident-free, shouldn't the cost of my insurance decrease every year? I haven't had an accident in over 10 years. The cost of my insurance policy seems to be around the same price for every renewal.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Having a good driving record, as you do, is one of the strongest rating factors in your insurance policy.
However, it is not the only factor that is taken into consideration.
The cost of healthcare in your area directly impacts the rate of the
bodily injury liability
on your policy. Collision coverage
can depend on things like how much traffic is in your area and the cost of parts and labor for your vehicle. Even with this taken into account, you should feel comfortable with the amount you pay for car insurance. If you have been with the same company for the past 10 years, it may be time to shop for new car insurance.
One excellent option is to use the free
Jerry
app. Jerry gathers the lowest quotes from over 45+ carriers in under a minute. And they’re-shop your policy every renewal to make sure you always have the best rates.” View full answer
- Gregory R.
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