Automobile Insurance Company Toledo Ohio OH
Filed under: Auto Insurance Quotes, Auto Insurance Tips, Insurance Quotes
Reader’s Question:
How long do bad driving records like tickets and accidents affect your insurance in Toledo, Ohio?
Cindy
Toledo, OH
If you cause an accident or have a moving violation, your auto insurance premium can go up. Your insurance company can raise (“surcharge”) your premium if you’re at fault in an accident or if you get several traffic tickets. However, you should not be surcharged for a minor moving violation or a single accident that was not your fault. Premiums should not change until your next renewal date.
Auto insurance companies in Toledo Ohio have different rules; many do not consider incidents that are more than three years old, but some auto insurers will look back as far as five years in Ohio. If it has been more than 3 or 5 years since your last ticket or moving violation conviction it does not necessarily mean that your insurance company will automatically lower your premium. Periodically you should ask your insurer in Toledo, OH to review your premium to make sure you are getting the best rate possible. Also, as your driving record improves over the years, it may be time to start shopping for a better deal.