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If you've been involved in an accident that wasn't your fault, you may be tempted to avoid disclosing that information when obtaining free online car insurance quotes. You may assume that any accident on your driving record will drive up the cost of your auto insurance. However, you will only be penalized for accidents in which you are found “at fault.” If you were involved in an auto accident, but were not responsible, your free online car insurance quote will not be affected by the accident. It is important that you disclose your entire claims history to the online car insurance company. They will price your free online car insurance quote in accordance with all state laws concerning the types of accidents that affect insurance prices.