Tip #5: Accident Forgiveness or Similar Plans

• Why It matters: Accident surcharges can add $1000 or more to your annual premium cost at a time when your ability to change insurance companies is limited.

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• What you should do: Accident forgiveness programs agree not to raise your premiums due to an accident.

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• TIP: Many companies surcharge for both at Fault and not at fault accidents so accident forgiveness is important for all drivers.