Guest
Guest
Jun 16, 2025
11:13 PM
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After my recent fender-bender, I was shocked to see how much my car insurance premium increased. It made me dig into what can actually help lower your rates after an accident—especially if you're in a city like Pittsburgh where rates can already be high.
One site I found helpful when comparing post-accident quotes was this local page:
?? Affordable car coverage in Pittsburgh
Here are a few practical tips I picked up:
Take a defensive driving course – Many insurers offer discounts for completing approved driving courses, even after a claim.
Shop around – Not every provider treats accidents the same. Some companies are more lenient for first-time claims or offer accident forgiveness.
Bundle policies – If you can bundle auto with renters or home insurance, you might recover some of the savings you lost.
Increase your deductible – If you’re financially able to pay more out of pocket in a future incident, this could lower your monthly premium.
Ask about discounts – Loyalty, good student (if you have a teen), and even low mileage can help offset a rate increase.
?? Has anyone else dealt with a premium hike after an accident? What worked best to bring your rate back down? Let’s trade notes.
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