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Why did my premium increase if there was no claims payout?

My insurance increased by almost 20%. My wife was hit by an elderly couple... wasn't her fault. No costs incurred by our insurance company but our premium just went up almost 20%. Is that normal?

Oct 20, 2018 Resiterstown, MD

Answer
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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

There are many different reasons that your insurance rates can increase. Sometimes there is even more than one reason the rates go up. Having a not-at-fault accident can impact your rates. However, it would not impact your rates as much as it would if it was an at-fault accident. The not-at-fault accident will be listed on your claims history for up to three years. Another common reason for a rate increase is simply the cost of doing business has increased. This can be because companies are having to pay for more accidents and cars are more expensive to repair. I would suggest calling your agent to find out what specifically caused your rate to increase by 20%. You can always shop around. At The Zebra, we can quote you with several companies at once. You can also give us a call at 833-768-7789. Good luck and if you have any other questions, don't hesitate to ask.

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