Q: My insurance rate increased because I was involved in an at-fault accident. Does this mean that I can’t find a lower insurance rate?

A: Having an accident on your record can increase your rates, that is true, but it doesn’t mean you can’t find a better deal. Because every insurance company determines their own rates, an accident may cost you less at one company than another. Unless you have accident forgiveness with your current company, when you have an accident is actually a good time to shop around for car insurance. You would be surprised at the variation in rates you will find when you compare.