It's common knowledge that auto insurance claims will impact your rates, and this knowledge can be an additional source of stress if you find yourself in an accident. Serving Batavia, OH, Kramer-Myers & Werring-Dickerson Insurance has been in business since 1960, and the independent insurance agency provides home insurance, life insurance, and the best auto insurance rates in the area. These experts say it can be helpful to know what impact an auto insurance claim has on your rates in the wake of an accident.

Here are some facts to consider regarding the effects of accidents on your auto insurance rates:

• Your Insurance Rates Will Likely Increase: Most auto insurance companies will increase your premium by 20 to 40% of their base rate following an accident. The base rate is the average rate charged in your state before discounts, with the agency's processing fee tacked on. This accident surcharge will vary from agency to agency. If you're shopping for auto insurance, get a copy of the agency's surcharge schedule before you buy.  
• Insurance Rate Increases Following An Accident Are Impacted By Many Factors: Sometimes other factors will combine with your accident to have an unexpected effect on your rates. For example, if you make an auto insurance claim and purchase a more expensive vehicle shortly before renewal time, you'll likely see a big increase in your policy rates. 
• You May Be Forgiven: Some of the best auto insurance companies give customers a one-time pass on accidents. If this is the case, your rates won't increase after you make your auto insurance claim. This policy isn't industry-wide, so be thankful if your auto insurance provider offers this benefit.

For the best auto insurance and client care, turn to the specialists at Kramer-Myers & Werring-Dickerson Insurance. These experts are committed to finding you insurance that’s both affordable and reliable, and they'll help you obtain choices that won't dent your wallet if you have an accident. Call (513) 732-1461 to get insurance quotes, or visit Batavia's best auto insurance agency online.