Hey everyone, need some advice on a frustrating insurance situation.
My friend is moving states and continuing his policy with Progressive. He tried getting a new quote and he did that too but at the end when they were finalizing his policy just before they ran his license he was quoted $90/month for full coverage. After running it, the quote jumped to $140/month because of a not-at-fault "accident" from June 2019 — nearly 7 years ago. The most frustrating part? Nothing actually happened. No damage, no injuries, zero claims filed on either side. The other driver just randomly and unnecessarily reported it to their insurance and now it's haunting my friend's record 7 years later costing him an extra $50/month.
He needs coverage now so he'll have to pay the $140 for the time being. Around July 2026 it hits the 7-year mark and should age off his record. Our biggest concern is whether Progressive will actually review and lower his premium once it falls off, or just keep him stuck at $140 without saying anything — because we've heard insurers don't automatically adjust rates even when old incidents age off.
Questions for the community:
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Can insurers legally raise rates for a no-claim, not-at-fault incident reported only by the OTHER driver?
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Any way to dispute/remove this from his CLUE report since he never filed anything?
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Will Progressive proactively lower his rate once it ages off in July 2026 or does he have to push for it at renewal?
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Worth shopping around now or just wait until July 2026 when it fully ages off?
Posted by ChemistHeavy1395
4 Comments
This seems cheap af to me for an auto quote. If your friend is upset about $50 I dare them to try and get another quote elsewhere. This seems like a great deal to me. Also the $90 isn’t valid and no agent (if you did it thru an agent) should have released it to you before running that report. Usually the report is 3- 5 years but it can go up to 10 in some states.
The difference can happen after the quote and when it is sent to underwriting.
As far as the quote, you dont provide information that will drive the rate.
You can dispute what is on your CLUE report by contacting Lexis Nexis.
Your insurance will not remove aged out accidents mid term. You can request the accident to be removed, but it may or may not affect your rate. When the MVR/CLUE runs at renewal, aged accidents will fall off.
>Can insurers legally raise rates for a no-claim, not-at-fault incident reported only by the OTHER driver?
In some states they can, in some states they cannot.
>Any way to dispute/remove this from his CLUE report since he never filed anything?
No. The claim is on record until it falls off.
>Will Progressive proactively lower his rate once it ages off in July 2026 or does he have to push for it at renewal?
There will be nothing to push. If rates go up (and they may – no way to predict) his option will be to shop for insurance elsewhere.
>Worth shopping around now or just wait until July 2026 when it fully ages off?
Wouldn’t hurt to shop now and see what the competition is doing.