Anytime you add a coverage option to your car insurance policy, expect to see your premium increase. But if you’ve been a loyal policyholder, sometimes insurers offer it for free as a perk.
Provided you’re eligible—meaning that you’re a good driver with a clean driving history—adding accident forgiveness coverage may cost as much as $100 a year. But that additional surcharge could save you hundreds of dollars in the long-run by allowing you to keep your safe driving record if you happen to get into a single accident.