HANDYMAN 
Cheap Handyman Auto Insurance Affected by Accidents
Purchasing cheap handyman auto insurance can be an excellent way to avoid potentially expensive repairs or other costs, but one of the quickest ways for a motorist to increase their premium is to be involved in an accident. It’s fairly common for insurers to raise rates after a crash, though the likelihood and amount of an increase is usually dependent on a variety of details. The amount of property damage, the extent of injuries, and whether or not the policyholder was at-fault can all have an influence on how much rates may fluctuate. Drivers with a history of crashes may even have difficulty locating an affordable policy in the future, and drivers with inflated premiums may have to search elsewhere for more affordable prices.
Typically the financial impact of accidents on auto insurance policies is largely dependent on whether or not the policyholder is also the at-fault driver, in addition to the extent of damage that has been done. Motorists who are responsible for a collision have a greater chance of seeing increased rates, which may be especially true if alcohol or other inhibiting substances are found to have been used. Driving while under the influence and causing an accident is typically considered a major violation and is more likely to result in higher prices or motorists may even be unable to renew their policy. It should be noted, however, that some collisions that result in less than $750 worth of damages and no injuries may be considered insignificant and rates may not be impacted at all.
The Effects of Accidents on Cheap auto insurance
Accident frequency can be a significant contributor to increased policy prices. A motorist may be able to find cheap coverage with an accident on their record, but being involved in frequent collisions is likely to result in more expensive premiums or even an inability to find a company willing to provide a policy. Drivers that frequently file claims are typically considered to be high risk drivers and generally have a difficult time locating inexpensive auto insurance. Keeping a clean driving record for at least three years is generally an effective way to both lower coverage costs and remove a title of high risk driver. Sometimes, however, it may just be more cost effective to switch insurers.
If coverage costs get too high, motorists may want to search for a different policy provider. Insurers are usually unique and sometimes cater to people with different driving backgrounds. But to ensure that a motorist finds the cheapest rates, the Illinois Department of Insurance suggests Shopping for Automobile Insurance and comparing a number of quotes. By evaluating multiple estimates a motorist may be able to find an insurer that is able to provide sufficient coverage at an affordable cost. It is important to note, however, that when a vehicle owner chooses to switch insurers it is usually best to purchase a new policy before canceling an old one. By doing so a motorist may be able to avoid a possible lapse in coverage and potential fines.
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