1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Potentially it may never go down. Most insurance carriers will keep accidents and ticket on your rating record for three to five years. Your age will also affect your raate. Each carrier will set it's own determination as to what age groups receive which rates. Many other factors can also affect your rates, i.e. geographic location, type of vehicle and many other factors.
    Answered on June 23, 2013
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