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Originally Posted by Rexmons
but if you do actually get into an accident, your fault or not, your premium goes up and stays up.
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I've had so many people say this, but it's never happened to me. I've been in one fenderbender that was my fault, and my husband was in a more serious wreck with probably six thousand dollars in total damage, and our rates didn't go up either time. We were with State Farm. Maybe it's just because we were still "ahead" in the books because we'd been paying premiums with the same company for years and years, or maybe it's a state regulation thing, I really don't know.
We recently switched all our insurance to Travelers (through an independent agent), however, because their homeowners rates were so much better. I guess we'll see how good they really are the first time we have a claim...