When you get auto insurance, the amount you pay for your insurance premium will depend on a long list of factors. Some of these factors include your previous claims, credit score, and driving history. With this in mind, you may be wondering how far back auto insurance companies look when looking at your records. find out the answer to this question, as well as how you can check your logs yourself.
In addition to creating this handy guide, our team of experts also extensively researched all of the major auto insurance providers. We’ve pulled together all the information available to find the best auto insurance companies and created a quote comparison tool to help you connect with those in your area to receive quotes. all you need to do is enter your zip code and you can start receiving free quotes from local providers right now.
how does your driving record affect your car insurance?
Your driving record is one of many factors that affect the auto insurance quotes you’ll get. Auto insurance providers look at your driving history to determine your level of risk. Based on that level of risk and other factors, companies will offer you a rate.
This means that if you have a car accident or traffic violation, your insurance company will consider you a higher risk, which will increase your rates. you can expect the company to factor this information into your insurance rates for a set period of time.
how far back do insurance companies look at driving records?
There is no set answer to how long before insurance companies look at your driving record. It depends on the state you live in and the type of violation the company is looking for.
It will also depend on whether it is a major or minor traffic violation, as each affects your history and auto insurance premiums differently. The following are some of the more common examples of violations and minor infractions:
- don’t stop
- illegal parking
- overloading a vehicle
- run a red light
major offenses can include reckless driving, duis and dwis.
In most states, minor traffic violations will stay on your record for about three years. By contrast, a dui or dwi will generally stay on your record for between five and 10 years. each state should have their own guidelines that you can refer to if you want to know the answer for your specific state. remember, you will have a higher premium from your insurance agency while they are on your record.
How long is a driver considered high risk?
This will vary depending on your insurance provider. almost all insurance companies will consider you a high-risk driver if you still have a violation on your record.
This means you’ll have to wait until your violation is no longer on your record to get rid of your high-risk classification and qualify for lower insurance premiums. although it varies by state, that means you can expect to be considered high risk for about three years after minor violations and up to 10 after serious violations.
It’s also worth noting that some groups are automatically considered high risk. an example is teenage drivers. If you are 17 years old and have violations on your traffic record, you may have even higher rates.
How do auto insurance companies check your driving record?
During the auto insurance application process, you’ll need to give your insurance company permission to run various reports. one of these reports is the motor vehicle report (mvr), which includes any violations or accidents.
Remember, you should never lie to your auto insurance company. Always disclose any violations or accidents when you fill out the paperwork for your auto insurance policy. If your insurance company finds out that you lied, it will reflect badly on you and there will be consequences.
At best, the company will increase your auto insurance premium. however, the company is more likely to cancel your policy and refuse to offer you any insurance coverage, leaving you searching for a new insurance company and trying to switch auto insurance companies. there is also the risk that you will face civil penalties for fraud.
how to check your driving record
If you want to make sure there are no surprises when it comes time to get car insurance, you can check your driving record yourself beforehand. doing so is as simple as visiting your department of motor vehicles (dmv) and requesting a copy of the mvr. You can also request this report online. you should expect to pay a small fee to view the report.
how much do violations affect insurance rates?
While accidents and violations will always increase your auto insurance rates, the extent to which it increases depends on the insurance company, the specific state, and the type of violation.
For example, getting a speeding ticket will increase your rates by an average of 21% to 31%, and reckless driving can increase your rate by about 77%. this is compared to having a clean driving record.
It’s also worth noting that older drivers, including ssi recipients, tend to have higher increases due to violations.
How long do insurance companies look for prior claims?
Your auto insurance company won’t just review your driving record. the company will also look for previous insurance claims. The company wants to know how many claims you previously filed and how often they were filed. this is true even if you were previously with another insurance company.
The idea is that if you filed claims in the past, you are more likely to file additional claims with the new insurance company in the future. this leads the company to classify it as higher risk. as such, your rates will increase to reflect this.
In most cases, your insurance company will only look back three to five years when verifying claims.
our recommendations for auto insurance
The best way to minimize your insurance costs is to compare several companies. We make it easy with our quote box, as you only need to enter your zip code to get started.
We also recommend Geico, USAA, and State Farm based on our team’s extensive research.
geico: best overall
geico earned an overall rating of 9.1 out of 10.0 from our experts. this reflects a rating of 9.0 for coverage, 8.5 for coverage, 9.4 for cost, and 9.8 for industry reputation.
usaa: best military supplier
usaa received an overall rating of 9.6 out of 10.0. this reflects a score of 9.5 for coverage, 9.3 for industry reputation and customer experience, and 10.0 for cost.
state farm: best student discounts
state farm earned an overall rating of 9.1 out of 10.0. this reflects a score of 9.0 for coverage and cost, 9.9 for industry reputation, and 8.8 for customer experience.
how far back does an auto insurance company look? :frequently asked questions
the detroit office collects data from all the major auto insurance providers to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction, and ratings from industry experts. each insurer receives a weighted score across four categories, as well as an overall score of 10.0.
We recommend auto insurance companies based on these ratings, but we also encourage you to do your own research and compare quotes to find the best coverage.