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purpleandgold
Apr 13, 2012
I think my car insurance rates are going to be ridiculous for a while. Am I right?

- 23-year-old female, licensed since I was 19.
- One accident 18 months ago. My car was a total loss. The other driver was held responsible due to leaving the scene.
- Present car: 2013 BMW 3-series. I drive about 12000 miles a year, maybe a bit less. Front and side airbags, ABS, lane departure and blind spot detection, anti-theft electronic key.

Right now I'm paying about $135 a month and considering moving back to Connecticut from Virginia. I'd be driving even less if I lived there, but I'm still a fairly young driver with an extremely nice car in an area with lots of wild drivers. Is it reasonable to assume that my insurance will skyrocket? How much does one not-at-fault accident affect my record?

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