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Colt’s Commentary – January 2023: Why Did My Auto Insurance Go Up After a Claim?

Hey there, Colt here!

We’ve heard it so many times, people are afraid to make a claim because they are afraid their premium rates will increase. 

I’m here to go over a few reasons that could be, and also reassure you that it doesn’t necessarily happen every time. 

  • One reason that might cause a premium increase after making a claim is that you might be losing a claims-free or accident-free discount depending on the policy and carrier. 
    • Even if you aren’t otherwise penalized for the claim, your rate would still show an increase because that discount you got when you started the policy would no longer apply. 
  • Another reason for a premium increase after a claim could be that your insurance carrier sees it as an increased risk that you would make another claim.



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