I have switched insurance companies a few times over the last 6 years and heard that my rates could be higher because of that. Also an accident and ticket I got are over 6 years old, shouldn’t the rate be lower by now?
Switching insurance companies won’t necessarily raise your rates as long as it doesn’t result in a lapse in coverage. Accidents and violations can stay on your record for up to five years, so your past infractions from six years ago should not affect your rates.
In fact, it’s smart to compare and shop around for car insurance once it’s time to renew. However, keep in mind that some car insurance companies offer loyalty discounts if you do decide to renew your policy with them. We can help you look for quotes from dozens of insurers at The Zebra to help you compare and find the best rate.
If you have any further questions, don’t hesitate to ask. For more information, see our additional resources below.