Every carrier has different rules.

Some carriers have discounts for having 3 years clean then another carrier may have another discount for having 5 years clean

Most carriers I would say is 3 years but as time goes on we will see that more will approach 5 years we believe.

Caviots are that there are no at fault accident discounts and their are no CLAIMS discounts…. What is the difference?

No claims mean NO CLAIMS REPORTED (even if they were UNPAID due to the estimate being less than your deducitble or it not being covered)

So if you call in a claim, nothing is paid it can STILL count against you. Because there are now additional “claims free discounts”.

Even small Comprehensive claims can count because they are claims and not accidents and carriers have started to allow “claims free discounts” versus being surcharged for an ACCIDENT.

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