Your driving record is taken into account when you get your auto policy—the more driving risk you've demonstrated in the past, the more you might have to pay for your auto insurance premiums. So it makes sense that your insurer might re-evaluate your rates after claims or other driving incidents (such as moving violations) that are primarily your fault.
Accidents and auto insurance premiums
When it comes to evaluating your driving record for the purposes of reassessing your insurance rates, practices vary from company to company.