Auto Insurance Claims That May Not Impact Your Premium

Making a car insurance claim without raising your premium.  

You buy car insurance to protect your vehicle and pocket. When an accident happens, it’s often best to file a claim so that you receive compensation and assistance in getting back on the road. While most motorists associate filing a claim with a premium increase, this isn’t always the case.

When it comes to rate hikes, not all claims are created equally. Some claims may raise your rates slightly, some may make your premium shoot up, and others may not even impact your rate at all. Surprisingly, the much-dreaded speeding ticket may not cause a rate hike at all. Many insurers will forgive the first ticket. The same goes for a minor automobile accident or a small claim. A few common claims that may not impact your premium include: 

  • Rock chip repair
  • Not-at-fault accidents
  • Claims that are under $1,000 in total costs
  • Other comprehensive claims

But because any claim at all may pose a risk to your rates, understanding your policy is the first step toward protecting your wallet. Talk to your agent about the insurance company’s policies long before you need to file a claim.

When you’re ready to get started on auto insurance for your needs, we can help. Contact Lou Aggetta Insurance Services in Pleasant Hill, CA. We will work with you to ensure you have the right policy at the right price.