No one can tell you how much or even if an accident will make your car insurance go up.

Because we get this question at least once a week, it deserves it’s own post. Now this is not to say that this is a bad question, it is a very valid question and one that can cause a lot of anxiety. Unfortunately, this is the only answer that we can offer:

We don’t know if or how much your car insurance will go up after an accident!

Car insurance rates are based on so many different factors that two people could get into similar car accidents and one have their car insurance rates go up and the other not. This is because there could be other tickets, the place where they live has a different rating, the type of car they have is different, as well as many other things. So the addition of a new car accident is not the only rating factor that is looked at when it comes time for your car insurance to renew. This also means that not even your car insurance agent, your underwriter or customer service agent at your insurance company can tell you either.

Have we been misled into thinking we have to purchase car insurance?

Having to purchase car insurance to be able to drive is something that we have had drilled in our heads for quite a while now. But, did you know that in most states you are not actually required to purchase a car insurance policy?

The only thing you are required to have is proof of financial responsibility. This proof of financial responsibility can be in the form of a car insurance policy or it can be in the form of proof that you have the resources or cash set aside to pay for any vehicle damage or medical expenses that may result from an accident you cause. Because of how much you have to have set aside to meet his state requirement, most people just elect to purchase car insurance.

Finding ways to save money with Plymouth Rock (Connecticut) insurance discounts.

Plymouth Rock (Connecticut) insurance discounts not be the long list that the Massachusetts discounts are, but they still offer Connecticut drivers good discounts on their premiums. So if you are a driver in Connecticut make sure that you are checking your declaration page for these discounts.

Plymouth Rock (CT) Drivers Discounts

• Accident- and Violation-Free – No accidents and tickets will of course get you cheaper rates through a discount.
• Mature Driver – Discounts available for drivers over the age of 60 who have successfully completed an approved accident-prevention course.
• Distant Student – Discounts for the policy holder on their insurance premium if their child who is a licensed driver is away at school and does not have one of the vehicles on the policy with them.

Plymouth Rock (CT) Policy Discounts

• Multi-Car – Discounts available if you have more than one vehicle insured on your policy.
• Paid-in-Full Discount – If you can pay your annual premium in 1 to 2 payments you can qualify for this discount
• Advance Quote – Discounts for policyholders who get a quote from Plymouth Rock more than 7 days in advance of their effective date on their policy.
• Homeowner – Discounts for those that own their own condo or home

Plymouth Rock (CT) Special Discounts

• Motor Club Member – Active member of one of our approved, membership-based, motor clubs? You can see a discount on your car insurance for that.

Please note though, that because we are not Plymouth Rock (Connecticut) we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Plymouth Rock (Connecticut) car insurance discounts that are offered by the company, contact your Plymouth Rock (Connecticut) insurance agent or enter your zip code at the top of the screen for a personalized quote.

Finding ways to save money with Liberty Mutual car insurance discounts.

Liberty Mutual not only has your basic discounts, but they seem to be really big in offering discount to drivers that are starting new phases in their life.  For example, they offer discounts to newlyweds, graduates, and newly retired drivers. So if you are about to have some major life changes, this may be a company that you will want to check out.

Liberty Mutual Vehicle Discounts

Vehicle Safety Features Discount: A discount for having standard features such as anti-theft and anti-lock brakes, as well as innovative features including adaptive cruise control, lane departure warning and collision preparation systems in your vehicle.

Hybrid Vehicle Discount: Special discount for our customers who have hybrid cars on their policy.

Multi-Car Discount: Put more than one vehicle on your policy and get the convenience of having all your vehicles insured in one place, as well as a discount on your premium.

Liberty Mutual Drivers Discounts

• Teen Driver Discount: Special discount for teen drivers that drive responsibly.
• Good Student Discount: Driver that are under the age of 25 and achieve at least a B average get special savings on their premium.
• New Graduate Discount: Discount for drivers that have recently graduated.
• Newly Married Discount: Get the right coverage with special savings for newlyweds.
• New Move Discount: Discount offered for drivers that are moving, and is given whne you update your address.
• Newly Retired Discount: Now that you’re retired, get the right coverage with special savings for new retirees.

Liberty Mutual Policy Discounts

• Multi-Policy Discount: Having multiple policies with Libery Mutual will get you additional savings off your premium.
• Exclusive Group Savings: If you are a member or employee of any of the more than 14,000 employers, groups, credit unions or alumni associations that are a part of Liberty Mutual’s affinity program.
• New to Liberty Mutual Vehicle Discount: When you add or change a vehicle on your policy, you’ll not only enjoy personalized service and expert advice, you’ll receive savings on your premium.

Please note though, that because we are not Liberty Mutual we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Liberty Mutual car insurance discounts that are offered by the company, contact your Liberty Mutual insurance agent or enter your zip code at the top of the screen for a personalized quote.

Don’t be bullied by the other insurance company about your rental car.

Question: The other person’s insurance company is telling me that I am only authorized for a rental car for two days, but what if the repairs to my vehicle take longer than that?

Answer: If the other person’s insurance company has accepted liability for the claim, then they owe you the rental car until your vehicle is fixed. Don’t let them tell you that you only have it for two days, you need to tell them that you are going to keep the rental car until you get your vehicle back.

(Disclaimer: I do not know the details of your claim and am not a claims adjuster. This is advice to a question only)