I just read somewhere that even a minor accident can bump your car insurance premium up by like 30% or more, depending on your state and insurer. That seems kinda steep for something small, doesn't it? I mean, I get it if you're constantly crashing into stuff, but one little scrape or dent...ouch. Curious if this matches what other people have experienced or heard about.
"even a minor accident can bump your car insurance premium up by like 30% or more"
Yeah, that's pretty much spot-on. Had a tiny scrape backing out of a tight parking spot last year—barely noticeable damage, honestly—and my premium jumped about 25%. Felt like daylight robbery for something so minor. Insurance companies don't care if it's a scratch or a smashed bumper; to them, you're suddenly "higher risk." It's frustrating, but that's how they play the game...
