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How does a claim impact your premium?

One of the most frequently asked questions customers ask their insurance company is how much filing a claim will impact the price of their insurance premiums. Historically, insurance companies have been hesitant to answer the question since a large number of variables go into insurance pricing. Claims aren’t the only variable impacting premiums, but they do play a part. That’s why we created the Premium Impact Calculator. This simple tool helps your anticipate how much a claim may impact your rates.

Premium Impact Calculator*

Toggle the selections below to explore how different scenarios can impact your premiums.

You are found to be personally at fault for the accident

Someone else was driving your vehicle with your permission at the time of the accident

This accident was caused by something other than another vehicle (ex. deer, tree, hail, etc.)

Input your name and address to see how your premiums may be impacted

Why do you need my name and address?

First name

Last name

Apt

By checking the box and clicking continue, you confirm that you have read the Disclaimer below and understand that this is only a tool and not an accurate representation of your current auto insurance rates or your current carrier’s rating practices.* This tool is for non-Branch customers only. If you're a current Branch customer, please contact us at (833)427-2624 to speak with your claims team. This calculator is an informational tool only and should not be considered advice as to whether you should file an insurance claim. This tool provides only an estimate of how a claim may affect your insurance premium. We do not know your current insurance premium, so this estimate is based on the information you provide to us as well as the estimated price that Branch would charge, which is based on information we gather about your claims, driving, and credit information, including a credit report, from other sources. This estimate is not a quote or price for insurance. This tool is currently available only in Arizona, Ohio, Illinois, Missouri and Texas. Texas only: seeUse of Credit Disclosure

How does a claim impact your premium?

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