Auto Insurance Companies That Assist Customers With Accidents

The top auto insurance companies that assist customers with accidents are USAA and Geico. Both providers offer low prices, accident forgiveness programs, and many stackable discounts.

Below, learn what other companies offer affordable auto insurance for high-risk drivers, and see our tips for securing cheap auto insurance for accidents for drivers of all ages.

After reading about auto insurance quotes from companies that assist customers with accidents, remember to enter your ZIP code into our free comparison tool above to receive accurate rates from the best providers near you.

What are the best auto insurance companies that assist customers with accidents?

The purpose of auto insurance is to protect customers against financial loss due to the destruction of or damage to an insured car.

Most auto insurance companies even offered relief to drivers during the coronavirus pandemic even though there were no mandates.

So, technically, you won’t get auto insurance quotes from companies that don’t assist customers with accidents because helping customers with accidents is one of the primary roles of your provider. (For more information, read our “Auto Insurance Companies That Accept Drivers With Multiple Accidents“).

However, not all companies are created equal, and some offer better services, cheaper rates, and special discounts and programs for drivers.

In the list below, compare the average annual rates the top auto insurance companies charge after a driver’s been involved in one at-fault accident:

• USAA Auto Insurance Company – $1,882.26
• Geico Auto Insurance Company – $2,087.27
• Nationwide Auto Insurance Company – $2,401.86
• Progressive Auto Insurance Company – $2,976.77
• State Farm Auto Insurance Company – $2,985.70
• Liberty Mutual Auto Insurance Company – $3,688.57
• Travelers Auto Insurance Company – $4,235.91
• Allstate Auto Insurance Company – $4,246.02

According to our research, the best auto insurance company that assists customers with accidents is USAA.

Only military personnel can use USAA. However, for those who do qualify, USAA offers the cheapest rates in the country and provides an accident forgiveness program.

Plus, customer reviews for USAA remain relatively positive to neutral across the board.

Geico is another top recommended provider that underwrites auto insurance for drivers with accidents on their record.

Geico is available to everyone in all 50 states, and the company also offers accident forgiveness.

According to customer reviews of their experiences and working with the claims department, an auto insurance company that doesn’t assist customers with accidents satisfactorily is AIG Auto Insurance Company.

There are many different factors that impact the cost of auto insurance, like your age, driving record, and ZIP code. Plus, not all providers are available in every state.

So request quotes from more than one of the affordable auto insurance companies that assist customers with accidents listed above.

And if you do accidentally buy auto insurance from companies that don’t assist customers with accidents to your satisfaction, never hesitate to shop around for new coverage.

Read more: Geico vs Progressive (What’s The Top Car Insurance Company?)

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Am I a high-risk driver?

Instead of denying your application, some providers underwrite unreasonably high quotes to high-risk drivers.

So if you keep getting unreasonably high auto insurance rates from companies that don’t assist customers with accidents on their record, it may be because you’re too risky to insure.

What is a high-risk driver? Any person who fits one or more of the following descriptions:

• Customers who’ve experienced a coverage lapse
• Customer’s who’ve files many claims
• Drivers with many at-fault accidents, tickets, or DUI charges
• New drivers
• People with poor credit
• People who own exotic or high-powered vehicles
• Teens and senior drivers

Risky customers pay between 25% to 125% more for auto insurance than safe drivers.

Where can you find affordable high-risk auto insurance? The best high-risk auto insurance companies include Geico and Progressive.

But for non-standard insurance, consider places like Good2Go or Freeway Insurance.

If you’re struggling to secure coverage, you may need to rely on your state’s high-risk insurance pool.

Do I need an accident forgiveness program?

Many companies offer accident forgiveness programs as a policy add-on to customers. Some give it to drivers as a reward for going many years without causing an accident.

According to the National Highway Traffic Safety Administration (NHTSA), in 2019, almost 7,000,000 car accidents occurred, or one every sixty seconds.

Accidents impact auto insurance costs for three to five years and increase rates by an average of 46%. But with accident forgiveness, your provider wipes away your first collision.

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The best accident forgiveness insurance companies include Allstate, Geico, Farmers, and USAA.

But Liberty Mutual, Progressive, and Nationwide also offer this program to customers.

Weigh the pros and cons before paying extra for accident forgiveness, though.

If you’re a safe driver who rarely files claims, then paying for this service is likely not worth it.

How can I avoid high auto insurance rates?

All drivers, even those with an accident on their record, can benefit from our auto insurance cost-saving tips.

To reduce your insurance costs, try the following:

• Improve your credit score
• Drive safely
• Enroll in a defensive driver course
• Avoid an insurance lapse
• Increase your deductibles
• Purchase a basic policy

But two of the easiest ways to save money include shopping around for new coverage online and asking about auto insurance discounts.

What types of auto insurance discounts should you look for? The most common deals include:

• Claim-free discount
• Driver’s ed discount
• Defensive driver discount
• Good student discount
• Good driver discount
• Pay-in-full discount
• Safe driver discount

Auto insurance is required in almost every state. Be aware of what types of auto insurance are required where you live and what levels you need to carry.

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Auto Insurance Companies That Assist Customers With Accidents: The Bottom Line

While there aren’t any affordable auto insurance companies that don’t assist customers with accidents, not all providers work for all kinds of drivers.

To buy auto insurance from companies that assist customers with accidents, research the customer reviews for the leading providers in your area, comparison shop online, and remember to ask about auto insurance discounts.

Now that you’ve learned about auto insurance rates from companies that assist customers with accidents, compare quotes from the best providers for you by entering your ZIP code into our free comparison tool below.

 

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