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5. You caused an accident by swerving on black ice or snow, and want to know if your insurance rate will increase.

Car swerving on iceOne at-fault accident could raise your rates anywhere from 10 percent to 40 percent -- or not at all, says Gusner. On average, one at-fault accident costs drivers an extra $340 a year, according to a CarInsurance.com analysis of rates. In some cases, say you’ve been accident-free for several years, car insurance companies will overlook one minor accident. However, if you were getting a safe driver discount, you would lose it.

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