Even the most careful drivers can occasionally find themselves facing a speeding ticket or a minor accident. At Schneider Insurance Agency in Gahanna, OH, we understand the frustration of seeing your auto insurance rates increase after a single mishap. The good news is, there are effective strategies to mitigate the impact and keep your premiums affordable.
Stay Calm and Review Your Driving Record
A single ticket or minor accident won’t necessarily cause your rates to skyrocket, especially if you have a clean driving history. Insurance companies consider your overall record, so a single incident might be viewed as a minor hiccup rather than a major concern. However, it’s beneficial to stay proactive.
Think About a Defensive Driving Course
In many instances, completing a state-approved defensive driving course can help reduce points on your license or even qualify you for a discount. It demonstrates to your insurer that you’re committed to safe driving, which can be advantageous when it’s time to renew your policy.
Compare Quotes and Review Your Policy
Insurance companies vary in their handling of violations. If your current insurer significantly increases your rates, it might be worthwhile to get quotes from other companies. You could also adjust your coverage or increase your deductible to lower your premium, but ensure it still meets your needs.
We’re Here to Help You Navigate
At Schneider Insurance Agency, we assist drivers in Gahanna, OH, in finding the right coverage at the right price, even after a ticket or accident. If you’re concerned about your rates increasing, give us a call. We’ll guide you through your options and help keep your journey on track.
