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For how many years will an auto insurance company review my driving record?
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That depends on a few factors, as you'll see.
However, much of the driving record matter depends on your state's DMV and how long it keeps points on your license. As long as points for an infraction remains on your license, your car insurance company will likely take notice of them.
For minor infractions, many states keep the associated points on a driving record for two or three years. For more serious violations, the points often remain for between five and 10 years.
Your state's DMV may have the point longevity information listed on its site, including information for a more serious auto accident or speeding beyond just a few miles over the limit; if not, call the agency or stop by a branch office to get additional information.
In either case, you can usually obtain your record through your DMV for a minor fee. Or, you may be able to obtain it online through third-party agencies for a higher price.
And, you should periodically review your record. Just like with credit history records, mistakes can be made. And, those mistakes can cause headaches for you, sure as higher insurance premiums or even a cancelled auto insurance policy.
How Car Insurance Companies View a Driving Record
Your auto insurance company may have a different policy than other carriers about how many years they look into a driver's past, and account for any indications of a car accident, traffic ticket, speeding ticket, etc. If you're curious, call your agent or your insurer and ask.However, much of the driving record matter depends on your state's DMV and how long it keeps points on your license. As long as points for an infraction remains on your license, your car insurance company will likely take notice of them.
For minor infractions, many states keep the associated points on a driving record for two or three years. For more serious violations, the points often remain for between five and 10 years.
Your state's DMV may have the point longevity information listed on its site, including information for a more serious auto accident or speeding beyond just a few miles over the limit; if not, call the agency or stop by a branch office to get additional information.
Order a Driving History Record
Curious as to what's on your driving record? Want to make sure there aren't any mistakes on it?In either case, you can usually obtain your record through your DMV for a minor fee. Or, you may be able to obtain it online through third-party agencies for a higher price.
And, you should periodically review your record. Just like with credit history records, mistakes can be made. And, those mistakes can cause headaches for you, sure as higher insurance premiums or even a cancelled auto insurance policy.
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