After a vehicle crash, you may find your car insurance rates increase. This is because the provider will consider you more of a risk, especially if you’re at fault. However, there are still ways you can get cheap car insurance in Joliet, IL.
Raise the Deductible
The deductible is the amount you pay out-of-pocket to cover what the policy doesn’t. A lower deductible commonly means you pay higher premiums because the provider has to pay more. However, ensure you can afford to handle a higher deductible and set it aside in savings.
Ask the Provider About Accident Forgiveness
Accident forgiveness is a feature that prevents your rates from increasing after an at-fault accident. Some providers include it as part of your policy, while others offer it as an add-on. However, it does not keep at-fault accidents from going on your record, and you must meet requirements.
Remove Unneeded Coverage
Consider if you really need extras, such as rental car insurance, collision, and comprehensive coverage, that aren’t required. If you have a vehicle more than a decade old, consider dropping comprehensive. Unless you lease vehicles frequently, you likely won’t need rental insurance, and the cost commonly exceeds the benefit.
Improve Your Credit Score
You may not have considered a provider would use your credit score to determine your monthly insurance rates. Many providers associate high credit scores with being less of a risk of filing a claim. If you have a low credit score, improve it by making timely payments on credit accounts.
A vehicle crash doesn’t mean you can’t get cheap car insurance in Joliet, IL. If you want to find a cheaper policy, visit Accurate Auto Insurance.
