Best Auto Insurance Companies That Don’t Count Accidents Reported on Carfax (2021)
There are not many auto insurance companies that don't count accidents reported on Carfax. Because companies want to minimize claims, an accident reported on Carfax will result in higher auto insurance rates. You can save money with discounts and talking with an agent before buying a car or auto insurance. For the best auto insurance rates, compare quotes from auto insurance companies that don't count accidents reported on Carfax and those that do.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Dec 16, 2021
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- There are not many auto insurance companies that don’t count accidents reported on Carfax
- Auto insurance rates are more expensive with a car that’s previously been in an accident than for one that has not
- There are ways you can save money on auto insurance from companies that count accidents reported on Carfax
Getting into a car accident is scary, and dealing with insurance companies is a hassle. It is especially inconvenient to buy auto insurance after causing an accident that is on your driving record or buying a vehicle with an accident history.
Many drivers look for ways to keep insurance rates at a minimum, including looking for auto insurance companies that don’t count accidents reported on Carfax. If a car has been in an accident previously, it presents a potential for risks to insurance providers and its drivers.
Because auto insurance providers want to pay as little money as possible, a car’s accident history may result in higher rates on your end.
While it might be hard to compare auto insurance rates from auto insurance companies that don’t count accidents reported on Carfax, shop around to find the best deal for you.
Keep reading to learn more about which auto insurance companies don’t count accidents reported on Carfax and the best auto insurance companies that do count accidents reported on Carfax.
Before learning more about auto insurance companies that don’t count accidents reported on Carfax, enter your ZIP code now to compare free quotes today.
Table of Contents
Are there auto insurance companies that don’t count accidents reported on Carfax?
Most auto insurance companies do count accidents reported on Carfax because it is a reliable source. Not only will insurance providers check your driving history and other personal facts, but they will also check your car’s history report.
Auto insurance companies are businesses, and they want to avoid risks that could be costly to them. So, if you present any potential risk, including your vehicle, then you will see that reflected in your rates.
Even though Carfax has a reputation for giving reliable vehicle history reports, not every accident shows up on the report. Usually, an accident won’t be on the report if the police aren’t called or if Carfax can’t access the police department’s record system.
Another common situation is that there is a time delay before the accident gets reported to Carfax. Many people will buy a car based on a clean Carfax report only to find out later that it was involved in a major accident.
Before you make the same mistake, be sure to look at the Carfax report in addition to an inspection and a test drive. You can look up a car’s history report and Carfax value using the Carfax VIN checks online.
Finally, talk with your insurance company to make sure you have the right coverage. Understanding the different types of auto insurance coverage and comparing rates from multiple companies will help you in your search.
What counts as an accident on Carfax?
On a report, Carfax damage reported vs. accidents reported can be different. Damage doesn’t have to be caused by an accident. It can be cosmetic from an object falling on the car, backing into a tree, or anything that causes minor damage.
An accident typically involves another vehicle and is reported to the police and Carfax as an accident.
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How can I save on auto insurance with companies that do count accidents reported on Carfax?
It is more likely that you will buy auto insurance from a company that does count accidents reported on Carfax.
Carfax is popular for its reputable and detailed backgrounds on cars, which means there aren’t many auto insurance companies that don’t count accidents reported on Carfax.
This is not fantastic news if you have a car that’s been in an accident previously, as insurance providers may view it as more of a risk. There is a chance that the car will break down, need extra maintenance, or cause you to file a claim later.
As you know, high risk is reflected in higher auto insurance rates. Fortunately, there are some ways to save money if your car is high risk and you’re with a company that counts accidents reported on Carfax.
The best way to lower your auto insurance rates is to shop around. Comparing at least three quotes from different auto insurance companies helps you know what to expect and narrows down your options.
Another option is to look into what auto insurance discounts are available to you. Most of the time, companies offer discounts for which drivers do not know they’re eligible.
Discounts can save you a ton of money, especially if your car was previously in an accident and your auto insurance company counts accidents reported on Carfax.
The table below can give you an idea of what discounts you might be eligible for that you should ask about.
| Vehicle Discounts | Driver/Customer Discounts | Personal Discounts |
|---|---|---|
| Active Disabling Device | Claim Free | Emergency Deployment |
| Adaptive Cruise Control | Continuous Coverage | Family Legacy |
| Adaptive Headlights | Defensive Driver | Family Plan |
| Anti-lock Brakes | Driver's Education | Federal Employee |
| Audible Alarm | Driving Device/App | Further Education |
| Automatic Braking | Early Signing | Good Student |
| Blind Spot Warning | Full Payment | Homeowner |
| Daytime Running Lights | Good Credit | Life Insurance |
| Economy Vehicle | Loyalty | Married |
| Electronic Stability Control | Multiple Policies | Membership/Group |
| Farm/Ranch Vehicle | Multiple Vehicles | Military |
| Forward Collision Warning | New Customer/New Plan | New Address |
| Garaging/Storing | Occasional Operator | New Graduate |
| Green/Hybrid Vehicle | Online Shopper | Non-smoker/Non-drinker |
| Lane Departure Warning | On-time Payments | Occupation |
| Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
| Passive Restraint | Paperless Documents | Stable Residence |
| Utility Vehicle | Roadside Assistance | Student Away |
| Vehicle Recovery | Safe Driver | Student or Alumni |
| VIN Etching | Seat Belt Use | Volunteer |
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You may also look into getting an accident removed from Carfax. If a car has an accident falsely listed on its Carfax report, you can get the accident removed, which will save you money.
How to Remove an Accident from Carfax
Although not often, vehicle history reports through Carfax list accidents where there wasn’t one. In this case, you can submit evidence to the Carfax corrections claims center online.
Usually, an accident stays on a car’s Carfax report for up to three years from the date of the accident. In some cases, you may be able to just wait until the report clears.
If you are looking to buy auto insurance from companies that don’t count accidents reported on Carfax, be sure to compare multiple rates from different companies. This will always give you the best auto insurance coverage and rates.
Auto Insurance Companies That Don’t Count Accidents Reported on Carfax: The Bottom Line
Finding auto insurance companies that don’t count accidents reported on Carfax is more challenging than finding companies that do.
Because auto insurance companies are concerned with paying as little as possible on claims, most will count accidents on a vehicle history report and raise your rates.
If your car has an accident on its history report, you can save money by looking into discounts and shopping around.
As you shop around, compare auto insurance quotes from auto insurance companies that don’t count accidents reported on Carfax and from ones that do. You might find a reputable provider that can offer you affordable rates.
Start your search for affordable auto insurance from companies that don’t count accidents reported on Carfax today. Enter your ZIP code to compare quotes from companies in your area for free.