Does Past Damage Affect Auto Insurance Costs?

Throughout Irvington, New Jersey, there is a lot of charm to attract tourists and residents alike. The population is around 50,000 and provides a lot of the big city features while still keeping the history preserved. The township was founded in 1692 and there are museums and buildings that help to tell the story of the area.

When you purchase auto insurance, the insurance company is going to look at a few different things prior to quoting you for insurance. This includes any kind of past damage that may have taken place.

Past damage comes in the form of looking at your driving history. If you had a crash in Irvington a year ago, whether you were the cause of the accident or not, it is going to impact the cost of your insurance.

Past damage can also be seen with an inspection. Some auto insurance companies will want you to take your car into a location for an inspection prior to them insuring you. This ensures they can document previous damage to avoid having to pay for something that happened prior to the policy becoming effective.

It’s always a good idea to work with an insurance agent in New Jersey to find out what it’s going to cost to get a policy. If you have had damage in the past, either through an accident or some other event, you will want to make sure it has a minimal impact on insurance costs.

We are independent agents, which means we work with some of the top insurance companies in Texas. This makes it easier for us to search the best deals. We will get quotes from multiple companies so you can compare and make an educated decision on the most comprehensive policy at an affordable price.