How Far Back Do Insurance Companies Check Driving Records?

Most motorists are well aware of what is coming next when they have recent claims and traffic violation tickets. Dealing with immediate issues is tiring enough but they will be influencing auto insurance premiums for some time for sure because they are recorded by DMV and seen by everyone interested. Naturally, most companies check these before they place anyone on cover. How far back they go is a good question but you may see the bulk of the effect in the first year and less and less subsequently.

Most companies look at last three years for accidents and driving history. And most minor traffic violation tickets get removed from DMV records after three years in most states. Some insurers may look at last five years but the nearer dates are usually more important. Serious traffic violation incidents can continue to affect car insurance rates a bit longer. For example, DUI remains in record around five to seven years. 

This may answer the main question about the periods covered and duration of records. However, it doesn’t follow a linear pattern. When you have a vehicle insurance claim, rates will be affected the most at next renewal. If you don’t have any other incident or ticket, you may see that the premium is gradually coming down in the following periods.

Can the Burden of Increased Premium Be Alleviated?

If you have an unfortunate claim you should look forward and try to stay out of accidents from then onward. There is not much point in dwelling on the past any more and see what you can do from now. Keep reading and you will see there are a few things you can do to reduce the burden.

There are a few other discounts that can counteract to help you find affordable car insurance. For example, you can pay the premium in full to get around five percent rate reduction and avoid installment charges. You can see if you can save with higher deductibles and so many other ways. So, don’t be so down about losing no claim or good driver discounts and find these valuable savings you weren’t bothered to check before.

Taking an advance-driving course after an accident can help in increasing the carrier’s confidence in you and get you lower prices too. Another good alternative may be to allow them to fit a telematic device on to the vehicle and see if you really are a good driver or a dangerous one and determine premiums accordingly. If you are confident they won’t see erratic movements and late night travels this may be a very good option. Some of them afford you immediate discounts just for agreeing to monitoring. Of course, it may not be everyone’s cup of tea but there are so many variations of them in the market now and some of them address privacy concerns pretty well by not recording things like speed and navigation history.

Each underwriter looks at risk differently from others. Some can be forgiving and still offer low quotes to experienced drivers with one accident or traffic violation ticket. You shouldn’t generalize it and see how much each carrier would charge. The price gap could really be high even between two similar looking companies. This point should encourage you to shop around a bit harder this time.

You can always check automobile insurance quotes online and compare coverage options and prices. There are a few good sites to help you out and you should spare a few minutes to test the waters. You have a good chance of reducing rates a bit. Find a good comparison site like this one and get started unassumingly. You never know how much you can economize but you may be pleasantly surprised.