The length of time between accidents or incidents is considered before your rates are raised, and this time limit will vary from one auto insurance company to another. One company may only consider things within the last two years, while another auto insurance company may go back four or five years. There are some auto insurance companies that offer policies with an accident forgiveness clause or rebate. These programs may offer a free pass on one accident or ticket within a specific time frame, so that good drivers are not penalized for one lapse in judgment or mistake. Rebate programs may offer money back for every policy term that results in no accidents or tickets, giving consumers an extra incentive to be a good safe driver. Pay for mutual car insurance agency in auto insurance partition for your automobile.