Many carriers offer a 3-year accident-free discount which can decrease the policy, but it will never be the same as it was before the accident. The reason for this is the ever-increasing costs of parts, labor, and the high number of liability claims. These factors can cause a carrier to take a rate increase that affects not just your policy, but everyone who is with that particular carrier. This is why it’s wise to review and/or shop your policy at least every three years.