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You insurance will differ if you had an accident or other incident in your driver history. Below you will find how these differ based on the type of accident you have had on your driver records. Note the standard insurance quote for a 2014 Ford vehicle listed here and here.
Type of incident:
Accident : Found at fault in injury accident
| Occupation | Monthly Insurance |
| No Accident | $ 104.02 |
| Found at fault in injury accident | $ 233.66 |
You will note that most insurance companies will give a lower rate if the accident even though you had been at fault but as long as there had been no injuries. The third part injury is expensive and this is reflected in the monthly premiums. You will note the difference below.
| Occupation | Monthly Insurance |
| No Accident | $ 104.02 |
| Found at fault no injury, damage >$1000 | $ 148.83 |
If you had not bee at fault in the accident then this does not affect your insurance premiums.
| Occupation | Monthly Insurance |
| No Accident | $ 104.02 |
| Not at fault accident | $ 104.02 |
The three main issues with auto insurance is the following:
- Moving violations in the last 3 years
- Accidents in the last 5 years
- DUI/DWI conviction in the past 10 years
These are important as the insurance premiums each month is based on your driving record. Note that this will more likely than not also apply if you are applying for RV insurance.
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