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We are committed to help customers like you find the best insurance companies selling car insurance policies on the market today. The number of insurers who offer discounts in auto coverage increases practically every day, and with the rise of the Internet as a popular place to get free online quotes, it's important to know you can trust someone to find legitimate deals. Count on us; we are here to help you manage auto insurance needs. We offer more information about car insurance in your state than anyone online, and we strive to present customers with the most affordable price quotes on policies anywhere, online or off. If you're looking for quality insurance at reasonable prices, you've certainly come to the right place.
While most of the car insurance companies insist they want to know about the smallest accident, it's clear that if your deductible is more than the cost of your repairs, you are better served to pay the bill yourself and leave your claim unreported. There is no law that requires you to report an accident to your insurance company, and you should remember that every time you file a report with your auto insurer, even if the damage is less than your deductible, it goes on your insurance record. Here insurance companies want to know about accidents no matter what, so the company is protected against possible fraudulent claims from you. With this in mind, honesty is the best policy - if for no other reason than to protect yourself.
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Once you report an accident, however, there's no telling
how your car insurance rates will increase. Insurance
companies approach rates differently after an accident;
some increase rates dramatically, others take into account
the free online quote they gave you, and increase rates
accordingly from there. Many companies follow the Insurance
Services Office standard of increasing your premium
by 40 percent of their base rate, not your current rat,
after your first at-fault accident. A base rate is the
average amount of claims paid plus the insurance company's
claims processing fee. For example, if your company's
base rate is $700, you'll pay $280 more. So, if your
premium was $300 before the accident, your premium will
be $460 after the accident. You can gain maximum by
putting minimum effort. Our agents are working round
the clock to offer you the best insurance quote.
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