I was in an auto accident about 18 months ago. It was ruled the other party's fault, and my driving record is squeaky clean. My insurer, GEICO, did not raise my rates other than mild adjustments to account for changes in address and coverage choices.
However, every time I disclose this accident (as not at fault!) on any insurer's online quote, I get quoted much, much higher premiums, even from companies that used to be only slightly more expensive. I'm currently paying $307 per 6 months with GEICO for 100/300, and I've been quoted anywhere from $600 to $900 with everyone else.
Am I stuck not being able to shop around until this falls off the look-back period that quote engines ask for, usually 3 years?