Insurance Premium Question

[Speed_69]

Currently I have PLPD, collision and comprehensive on my insurance policy.
Just wondering if my car were to be stolen, keyed or in a case of a hit and run..and i reported it to the insurance company, would my rates go up or would it stay the same?

[idriveabox]

a stolen car would be covered under your comp policy...and would generally not make your rates rise. Being keyed is comprehensive as well, and unless you are claiming ALOT ie. 5/year...your rates will not move.

Hit/run is under collision and you would be responsible for the deductible...and depending on if they found the third party driver or not. But regardless, your vehicle would be repaired and the rates would remain.


All of these scenarios are based on the odd claim...ie 1/year or few years....not in excess of that.