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If you’ve ever filed a claim—even a small one—you’ve probably noticed a change in your premium the next time you shopped for car insurance salt lake city policies. That’s because your claims history plays a major role in how insurers assess risk and determine pricing in Utah.

Insurance companies look closely at how many claims you've filed, the types of claims (collision, comprehensive, liability), and whether you were at fault. A single at-fault accident can raise your rates for three to five years, depending on the severity and your insurer’s policies. Multiple claims? Expect an even steeper jump.

Even non-fault claims, like being rear-ended or dealing with vandalism, can affect your rates in some cases—especially if they happen often. Insurers see frequent claims as a red flag, even if you weren't directly responsible.

That said, a clean record over time can gradually bring your rates back down. Some providers also offer accident forgiveness for the first claim or discounts for maintaining a claim-free history. If you’re shopping around, make sure to ask about how past claims are weighted and when they’ll stop affecting your rate.

Understanding how your history impacts your future premium is one of the best ways to stay ahead of rising costs and keep your coverage affordable.