Car Insurance Costs
Coverage & Claims

Why does a not-at-fault accident affect my insurance?

Most people understand that if they were at-fault in a car crash then they will likely see an increase to their rates. Unfortunately, not-at-fault accidents can also affect the rate that you pay for car insurance.

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Coverage & Claims

If I file a claim where my friend wrecked my dad's car, will her insurance rate go up?

Technically speaking, filing a claim would not result in a "point" on your friend's license because insurance companies do not issue "points" to the DMV. Points are the result of tickets and accidents where a police officer was called to the crash scene or wrote a citation.

Car Insurance Costs

Will my personal car insurance rate increase if I had an accident that was covered by a commercial policy?

Whether or not your insurance company paid anything for your accident, the incident itself will most likely be listed on your CLUE report. If a police officer wrote an accident report then it will likely be listed on your MVR as well.


Why can I not remove my son from my auto insurance policy with Geico?

Generally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that means he will not be covered to drive any of the vehicles you currently insure.

Car Insurance Costs
Coverage & Claims

If I wrecked my daughter's car and she is covered on my policy, how do I keep her rate from increasing?

The first thing I'd like to address is the concern about your daughter's portion of the premium increasing. Since you are both covered on the same policy the overall premium is going to increase if a claim is filed.

Car Insurance Costs

Why is car insurance so expensive in Wyoming?

Our State of Insurance Report actually shows that the average premium in Wyoming of $1176 is below the nation average of $1323 per year. Since rates are partially based on the number of claims and damaging whether events in certain areas, it's possible that your rate is being impacted by things that are out of your control. If you recently filed a claim or were recently issued a ticket for a moving violation, that could also be why you're experience higher rates than before. The best way to find the lowest rate is to compare quotes with as many companies as possible.

Coverage & Claims

If my son hit a deer and crashed into a ditch, should I file a claim?

If your son hit a deer and that is what caused him to go into the ditch then the accident is likely to be considered a comprehensive claim rather than a collision. Comprehensive claims generally don't impact rates as severely, if at all, the way a collision claim would if he had hit another driver.

Homeowners Insurance

Will a trampoline make my home insurance more expensive?

Unfortunately it is definitely possible that having a trampoline will cause your homeowners insurance rate to increase. It's even possible that having a trampoline could cause your insurance company to cancel or non-renew your policy altogether. The impact to your rate or the acceptability of the risk in general is up to your specific insurance company.

Homeowners Insurance

Does a pool make my homeowners insurance more expensive?

Not necessarily. While having a pool is considered an "attractive nuisance", because it can pose a danger to unattended children, the additional risk does not necessarily cause a huge jump in premium.

Car Insurance Costs
Coverage & Claims

Why did my rate go up over $1,000 per year after my daughter's not at fault accident?

First and foremost, I think you should consider shopping around for a new company. Although "not at fault" accidents can have a negative impact on your rate, that certainly seems like an exorbitant increase.

Driving History

Can a ticket older than 3 years still hurt your rate?

Once the ticket passes 3 years, then your insurance company should no longer be charging you for the incident. If that specific ticket is why you're being charged a higher rate, then I would recommend shopping around for a company that will accurately price your coverage.
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