If you’ve been involved in an accident, chances are your auto insurance premiums are going to go up. Your insurer is going to consider you to be a bigger risk at this point, so they will up your premiums to compensate for that increased risk. However, you can still have affordable insurance after a crash – you just need to be savvy. Here are some tips to help you find reasonably priced car insurance after you’ve been in an accident.

Take a driver’s safety course

One of the best ways to lower your rates after an accident is to take a driver’s safety class. Many insurers will lower your rates if you take one of these classes, and they typically aren’t too time-intensive. Those few extra hours in the classroom can save you a lot of money over time.

Adjust your policy

Another way to quickly lower your premiums after an accident is to adjust your policy. There are a few ways you can do this. The first is to raise your deductible. The higher your deductible, the lower your rates will be, because you are less of a financial risk to your insurance company. Another way to do this is to get rid of your comprehensive coverage, which isn’t mandatory. However, keep in mind that doing both of these things will leave you a little bit more vulnerable in the event that you do need to file another claim.

Shop around

If you’re unable to get affordable premiums with your current insurer, try looking around at other insurers. Be sure to consider local options in addition to the big national companies. Comparing your options might lead you to something that’s more reasonably priced. Many insurers are even willing to offer discounts for those who switch over from another insurance company.

If all else fails, don’t worry – the accident will eventually drop off your record, and it won’t affect your insurance prices forever, especially if it was an isolated incident. If you’re still struggling to find affordable insurance, contact EZ Insurance of Austin, Texas. We help clients find affordable local insurance policies with a convenient online buying process.