Is There Any Way to Save My Nebraska Car Insurance Rates After My Teenager Has Been In An Accident?

Is there anything more terrifying than the first time you hand the car keys over to your teen and wish them well? Probably not. As adults we know just how easy it is for young drivers to be in an accident when they’re out on the highways, and coupled with a deep concern for getting them home in one piece is a healthy fear for our car insurance rates! The question is, after they’ve been in an accident and they’re home safe and sound, is there any way to resuscitate your Nebraska car insurance rates?

Anyone Can Get In an Accident

Just because your teen has been in an accident doesn’t mean your car insurance rates are dead in the water!

Statistically speaking, many of Nebraska’s most popular car insurance carriers are going to raise your insurance rates by at least 40% after you’ve been in an accident. It’s all about relative risk. Before you start plotting the number of years your teen is going to spend locked in their room, however, take heart in knowing that teenagers are 60% more likely to have an accident than most adults-something that’s true for all teens, not just yours! So take a deep breath. All hope isn’t lost.

How’s Your Driving Record?

How’s your driving record these days? As an added incentive for customers to choose them over the competition, many of Nebraska’s car insurance providers are offering accident forgiveness to drivers with an otherwise clean driving record. That means that after you’ve been in an accident your car insurance provider will either forgive your accident completely (without raising your rates at all) or they’ll slap you with a minimal penalty (a 2-10% increase in your rates rather than 40%). That accident forgiveness usually extends to any teen drivers on your policy.

Were You Getting All the Discounts You Qualified for in the First Place?

If you didn’t qualify for accident forgiveness, you may still be able to resuscitate your car insurance rates. Were you getting all the discounts you qualified for when you first bought your policy? Along with the standard discounts for your job, your car’s make and model (and safety rating), any additional security features you have (like anti-lock brakes or a car alarm system) and your own driving record, your teen may qualify for discounts based on their grades.

Considering the fact that those discounts can shave 10% or more off your newly raised rates, it’s definitely worth looking into!

Your Nebraska car insurance provider knows that teens have accidents, and that sometimes it’s just a matter of being at the wrong place at the wrong time (like I-480 during the middle of rush hour!). Talk to your car insurance agent today to see what kind of options you have available to you.

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