The good news is that they eventually drop off and your rate goes back down. The bad news is that it typically takes 3 years for that to happen.
If you get a ticket, you may be able to avoid having a surcharge on your policy by taking a defensive driving course and getting the ticket removed. This will depend on your past record and what the court offers, but it is a good option!
If your rates do go up, make sure you are taking advantage of all other discounts to offset the increase. Bring all of your insurance to one company so you take advantage of multi-policy discounts. Raise your deductible for a while so you pay more out of pocket in an accident, but a lower monthly rate.
Have questions? We're always available to help! Just give us a call at 612-217-0157 and schedule a free review to see what is available and how we can keep your rates manageable even after an accident.