Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

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
Author profile picture

Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

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

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.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started. No phone number required.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs. If you have uninsured motorist coverage (which covers a hit a run) and this coverage was used to pay for the damages, the accident will be listed as not-at-fault. Not-at-fault acc…
Feb 25, 2019 Houston, TX

Do I have to file a claim with my insurance even when I'm not at fault?

I would not recommend speaking with your insurance company unless the other driver refuses to pay for the damages. Because you have the police report and hopefully the other driver's insurance information, you should call their insurance company and begin the claims process. If you do not have…
Mar 12, 2018 Wallkill, New York

Accident as an excluded driver on my parents' policy?

Although you technically do not have insurance, the other driver is still at-fault for the damages and thus has a legal obligation to pay for the damages caused. You might be ticketed for driving without insurance but that shouldn't impact your parent's ability to have the other driver pa…
Jan 13, 2018 Los Angeles, CA

Can I sue if a ceiling collapsed on me after repairs?

First off, I'm sorry to hear that happened and I hope your brother is okay. In that situation, you would want to seek legal advice given there are several variables at play. The fault might be shared by both the landlord and the repair company but an insurance adjuster would be the one to dete…
Jan 27, 2019 Richmond, VA