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auto insurance hack to save you money and keep you protected as you know when you have accidents or tickets your insurance company is going to use those accidents and tickets against you and they are going to charge you a higher premium most insurance companies are going to charge you this higher premium for three to five years just depending on the company but here's the thing they don't tell you after three years if you are in the middle of a policy term meaning you're six months in to a one year term they are not going to automatically remove those accidents or tickets and reduce your premium until your policy renews at the policy renewal date however with a lot of companies you can call them and say hey my accident is three years old can you please remove it from my policy and stop charging me extra 90 of the time they will do that and you will save money