How Does An Accident or Ticket Affect Your Insurance?

Questions like this come up all the time. Tickets and accidents can affect your auto insurance a great deal. 

When you get a ticket or are involved in an at fault accident, these will be reported to your driving record which can affect your premium. 

Tickets and accidents can remain on your insurance for 3-5 years. 

At Matt Elwood’s Allstate Agency, we strive to help you save money and make sure you are covered. We offer our Platinum Package, which includes Accident Forgiveness and a Safe Driving Bonus check every 6 months as long you don’t have an accident. 

Depending on the type of ticket, you may be able to get enrolled in a Defensive Drivers class, and have the ticket removed from your record and policy. This decision is up to the court. 

If your rates do go up, call us and we can make sure you are taking advantage of all discounts available to you to offset the increase. 

One way to make sure you are taking advantage of your discounts is to bring all of your insurance to one company. Another way of saving money is to raise your deductibles for a while so you pay more when an accident occurs but pay less each month. 

Have questions? We’re here to help! Just give us a call at 360-452-9200 or visit our agency at 707 East Front Street in Port Angeles and we can assist you with your insurance questions. 


Matt Elwood

Matt Elwood grew up in Port Angeles, graduating from the high school before moving south to attend Pepperdine University in Malibu, CA. While earning his Business Administration he secured an internship at Northwestern Mutual and started his financial career. After graduating from Pepperdine, Matt built a successful Insurance practice in Los Angeles while earning his investment licenses. After a decade of being away from family, Matt decided to move back to Port Angeles and purchase his mother’s Agency. The Helen Elwood Insurance Agency has been an established Allstate agency in Port Angeles for many years. Matt purchased the business in January 2011 and renamed it Elwood Benefits. Matt is focused on growing the business which leaves him little time for anything else. When he does take a break you’ll find him enjoying his family or out on the golf course.