Ask Your Insurance Company Co-Payment Schedule to Prepare for Rate Hikes
Your auto insurance rate can change for a variety of reasons , from your marital status to the crime rate in your area. To avoid potential tariff increases, check with your service provider for a surcharge schedule.
This is a quick and easy tip from Redditor, but useful nonetheless. As they explain:
When you sign up for auto insurance (or ex post), ask them for a copy of their copay schedule. (This can be called a good driver plan, etc.). This will tell you under what conditions your rates might rise under certain circumstances and how much they might rise. A useful thing to have at hand!
Some insurers may even offer some of this information online ( eg Allstate ). Otherwise, it should be as easy as picking up the phone and calling them. Of course, there are several general factors that will affect your ranking. In this Consumerist resource, a former Progressive agent details how their scoring system works and how many points you are awarded for various violations.
In general, however, the goal is to stay aware of possible rate hikes, and your carrier’s co-pay schedule may provide some insight.