Best Auto Insurance Companies That Only Go Back Five Years (2021)
Drivers with accidents can find cheaper auto insurance rates with auto insurance companies that only go back five years or even three years. Also, once your accident ages out, you could see your rates decrease. Protect yourself by shopping for quotes from car insurance companies that only go back five years and offer great accident forgiveness programs as well.
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UPDATED: Sep 24, 2021
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- Insurance companies review your accident history when calculating your insurance
- Some companies will look back as far as ten years into your accident history
- State Farm and Progressive only look back as far as three years into your accident history
If you have a bad driving record, auto insurance that isn’t wildly expensive can be hard to find. There is some good news though. Claims on your auto insurance age out, and drivers who have had quite a few accidents on their record can still find affordable coverage with auto insurance companies that only go back five years.
There are even auto insurance companies that only look back three years on a driver’s record when calculating rates.
This means that if you have been paying for an accident that happened a while ago, once that claim ages out, it will be expunged from your insurance record, and your auto insurance rates could go down.
Are you ready to get auto insurance quotes from auto insurance companies that only go back five years? Enter your ZIP code above to get free auto insurance quotes from local companies in your area today.
Where can I find auto insurance companies that only look back five years?
If you are struggling to buy auto insurance from companies that don’t only go back five years but further, you can still protect yourself by signing up with one of these insurance companies that have great accident forgiveness programs:
- Liberty Mutual
- State Farm
Bear in mind that the accident forgiveness program of each company has its own nuances.
Allstate’s accident forgiveness is only accessible through its Gold and Platinum packages, and its accident forgiveness perk isn’t available in every state.
Now, like Allstate, GEICO’s accident forgiveness program isn’t available in every state, but it is free for qualifying safe drivers after five years. Drivers can even keep their good driver discount after having an accident forgiven through this program.
If you were to purchase insurance through Farmers, you would find that the accident forgiveness add-on varies in cost from state to state and from driver to driver.
It’s also important to note that policies with multiple drivers can only have one accident forgiven per policy; however, unlimited low-cost accidents are permitted.
As you can see, it’s imperative to review each company’s accident forgiveness policy so you can find the program that best fits your needs.
How do accident forgiveness programs work with auto insurance?
If an insurance company is offering accident forgiveness that means that the company will sell you an added benefit which could prevent your insurance rates from rising as a result of your first at-fault accident.
Typically, it is accessible as an add-on to your policy but it can be awarded to you if you possess a good driving record. You can find such programs with many insurance companies.
Finding the best accident forgiveness program can be done in a few easy steps:
- Switch insurance companies
- Look for affordable programs
- Consider benefits of each program
- Ask questions
Following these steps can help drivers find an affordable accident forgiveness program that protects rates from increasing after an accident.
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What do auto insurance companies check when calculating rates?
Accident history reports play a major role in rate calculations. When it comes to auto insurance, three-year accident history reports are very common, and the short length of these reports keeps insurance affordable for the majority of drivers because accidents happen to even the best, most cautious individuals.
State Farm and Progressive are two auto insurance companies that only look back three years, but bear in mind that other companies can hold a seven or eight-year-old accident against you.
Now if you live in Washington or Virginia and have accidents on your record from four or five years ago, you could be in luck. Washington and Virginia auto insurance rules dictate that auto insurance companies ignore any information that is older than three years on your record.
On the other hand, Massachusetts and California are two states that allow companies to review your driving record all the back to ten years.
If you live in these states and have a tumultuous driving record, you should be looking online for a forgiving auto insurance company; avoid companies that don’t only go back five years.
Even if you haven’t been in an accident yet, you should still shop around for a company that has a great accident forgiveness policy.
What You Need to Know about Auto Insurance Companies That Only Go Back Five Years
Even drivers who have been plagued by accidents can find excellent auto insurance rates with auto insurance companies that only go back five years. State Farm and Progressive only look back three years on a driver’s accident so once your accident ages out, you could see your rates decrease.
However, some states allow companies to look back ten years into your accident history. You should always review an auto insurance company’s accident forgive program to make sure that you can protect yourself from an increase in rates in case you get into an accident.
If you want to find auto insurance companies that only go back five years, enter your ZIP code below to get free insurance quotes from companies near you.