Being a careful driver does not necessarily keep you from accidents. In most cases, accidents are inevitable leading to you feeling the pinch in your pocket the next time your car insurance is needed to be renewed.
If you are to blame for an accident, your insurance premium is likely to increase the next time you renew. However, there are some ways to reduce your car insurance rates even if you are not the one at fault.
Always tell your insurer about the accident regardless of whether it was small or big. It is best to let your third part property damage insurers be aware of the state of your car. This comes in handy for you if the driver you hit decides to report the case before you, placing you in trouble with your insurer.
When you are checking for car insurance quotes, check if the policy can include accident forgiveness quotes. Considering that this varies from company to company, check whether their plan is willing to ignore your first calamity and not raise your premium.
Taking a refresher course for driving in Australia will also favour you. Usually, car insurance providers take this step as a sign that you are willing to improve your driving skills especially after being in several mishaps. It can quickly help you evade an increase in your premium.
If in the long run your premium is increased, you can still find a way to lower the amount. The easiest way to do this is by increasing your deductible and taking advantage of discounts. For instance, if you have been a long-term customer, the insurance company can lower your rates. Also, if your mileage is less than 10,000 miles per annum, you can also qualify for a discount from the car insurance company.
