how accident forgiveness works in NM and why it's saved me cash

Accident forgiveness sounds nice, but honestly as someone just getting insurance for the first time, it feels like another sneaky way to charge extra. When I asked about it, my quote jumped up quite a bit...kinda defeats the purpose of saving money, right? Maybe it's better for experienced drivers with clean records, but for newbies like me, seems more like paying upfront for mistakes I haven't even made yet. Guess I'll just drive extra careful and hope for the best, lol.

I get where you're coming from, but honestly, accident forgiveness saved my butt last year. I was also skeptical at first—felt like paying extra for something I might never use. But then, of course, I backed into a mailbox (don't judge, it jumped outta nowhere, I swear...) and my rates didn't skyrocket afterward. Might feel like a rip-off now, but trust me, one tiny slip-up and you'll be thanking your past self for coughing up that extra cash.

I hear ya, but I'm still on the fence about accident forgiveness. Had a minor fender-bender a couple years back—nothing major, just tapped someone's bumper at a stoplight (classic car brakes aren't exactly modern tech...). My rates did go up a bit, but honestly, not enough to make me regret skipping the extra coverage. Maybe it's different depending on your insurer or state? Curious if anyone else noticed big differences in how much their premiums jumped after minor incidents. Guess it depends on how accident-prone you think you are...

I've had a similar experience—had a small scrape backing out of a tight parking spot a while back. My insurer at the time bumped my rates slightly, but nothing drastic. I think you're right about it varying by state and provider. NM might have different regulations or something. Makes me wonder if accident forgiveness is more beneficial for younger drivers or those with less driving history...