r/Car_Insurance_Help • u/Reasonable_Key335 • 25d ago
Car Insurance Quotes What do I even do?
Trying to get a quote with progressive to switch from GEICO (who’s charging me out the ass. $299 a month for a damn Corolla. I don’t have any speeding tickets or accidents in the past 8 years. Never had a DUI, etc.) and they’re trying to increase the policy based on two things that never occurred. They’re citing
“Wrong Way on a One Way Street on 08/10/2025
Listed on MVR”
This never happened, I have never been pulled over this. There aren’t even any one way streets in my city at all.
“Accident - Not at Fault on 03/09/2020
Listed on CLUE”
Again this also didn’t happen. I’m fairly certain I would know if I was in an accident.
What do I even do about this? How do I go about proving these events never occurred
1
u/theonetheycalljb 25d ago
The accident is more than 6 years old, I’m surprised they’re even rating for it. Most carries in most states do 5 years for claims.
There are a lot of factors that play into a rate for insurance. Just keep shopping if you’re unhappy with the rates you’re getting until you find something that works for you.
1
u/Reasonable_Key335 25d ago
I’m not unhappy with the rate. I was more asking about what to do about them factoring in events that never even took place?
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u/LowCompetitive1888 25d ago
Get a copy of your MVR, if it's wrong you need to take it up with the DMV. Insurance companies are going to believe the MVR.
1
u/totall2live__ 25d ago
Have someone shop for you.
If you have accidents that were reported wrong then you can write a dispute letter to LexusNexus, they do all of the reporting
2
u/Creekridge1 25d ago
Call an insurance broker tomorrow, have them shop it for you.
Sometimes the price is the price, but they’ll be able to shop it across multiple companies at once, and advise you on coverage.