Many insurance companies are advertising accident forgiveness, but not everyone knows what that means or if it is worth it. Basically, accident forgiveness is part of your auto insurance policy that will allow you to be involved in an accident for any reason, but it will not raise your premium. Of course, to include this as part of your plan, it will also cost a little more and usually you will need a specific length of time where you have not had any accidents before accident forgiveness will go into effect. So, is it worth it? That depends on your past driving history.
If you are a safe driver and you have never had an accident in the last 20 years, you may not need this type of coverage. Some people live in a very safe location without a lot of traffic, or maybe they only drive their vehicle once or twice a week. In this instance, accident forgiveness may not be worth the extra money. Although, if you live in the city where there are frequent accidents, it may make sense to get this type of protection. Sometimes families will also choose to purchase this type of policy when their teenagers begin driving. Just remember, the policy must be in effect without accidents for a certain number of years before the accident forgiveness will go into effect.
Your situation will determine whether you need accident forgiveness insurance. Once you start searching for quotes on car insurance, you can see how much this type of protection will cost and whether it will be worth it to include it on your policy. Just make sure to compare the rates from several companies for the same amount of coverage. You can find a great policy and an affordable payment when you compare quotes online.