Most people switch car insurance at least once in their lives. Most of the time, people change at the end of one term because they find a better rate. Rates change constantly, and some people even check rates at the end of every plan.
You can change your insurance before waiting until your current plan expires, but you might want to think about whether it is a good idea. You don’t want to change plans and end up in a worse situation than when you started. At BES & Associates Insurance, we can help you explore your options for auto insurance in Walford, MD.
How Does an Accident Affect Your Auto Insurance?
Sometimes there is no effect on your insurance when you are in an accident. If you only have one accident, and it wasn’t your fault, there is likely no reason to worry. Even if you were at fault, you may be eligible for accident forgiveness through your insurance provider. Check with your agent right away if you are in an accident.
How Long Do Accidents Stay On My Record?
Insurance companies in Maryland usually look back through three years of your driving record. Your premium could go up after an accident, though, and an operating while intoxicated charge may cost even more. When you switch policies, you will have to honestly answer any questions about your driving record. Leaving out important information might be considered fraud, and you could lose your insurance and suffer other punishments.
Don’t Make Any Hasty Decisions
At BES & Associates Insurance, we want to help you find the protection you need at prices you can afford. If you drive in Walford, MD and want to compare your options, please call today.
