Q: I was charged for failing to yield making right turn on red after I made complete stop and check did see not car approach. Believe driver made illegal u turn. She had witness in car or following her. Once police arrived he was called to side they talked privately. He refused to listen to me and was very rude. I did report him later. Anyway this happen 2014 now 2016 Dec my rates went from 140 to 262. monthly after reporting Kroger employee pushing cart tore off my review mirror. Even though Kroger was responsible. I live on fixed income. According to them they forgave my first and only accident .
A: Unfortunately, it feels like there is something else going on here. I am not saying that your accidents aren’t playing a part in the increase in your rate, but a $1,464 annual increase is not something that I have ever seen for a side-view mirror claim. There are two other things that come to mind right now. First, almost every insurance company increased their rates in 2016. I fielded these calls everyday for the insurance company I work for and also had feedback from agents that we weren’t the only ones doing so. I would definitely talk to your car insurance agent or car insurance company and see if they did have a rate increase in their car insurance product in your state.
Second, you mentioned “fixed income”. I may be wrong, but that usually indicates that you are of retirement age. After a certain age, car insurance premiums go up and the older you get the higher they increase. I know this doesn’t work well because that’s when you are usually on a fixed income, but car insurance companies do it because older drivers, while they do have more experience, start becoming more of a risk because of slower reaction times and a decrease in eyesight.
All in all, contact your insurance agent to have them go over your policy to explain what is going on with your rates. If you don’t like what you hear, start shopping around for a company that can give you a better car insurance premium.