It will tell them how often you have made insurance claims on your car and home and help them predict your future claim risk. While every company checks your driving record, some only check three years, while others will go back for a longer period.Īpart from your driving history, companies will also check your Claims Loss Underwriting Exchange report. This means that you cannot hide bad driving or previous accidents it is better to disclose them at the quote stage. You cannot get car insurance without having your driving history checked by any company. Your motor vehicle report has all the accidents, claims, and tickets, so the company gets a full picture of your behavior on the roads. If you are found to be a high-risk driver, you will pay more, but if the insurance company puts you in a low-risk category, you can save money.Įvery car insurance company pulls data from the same database.

According to Car Insurance Companies, apart from your driving history, they will factor in loads of other conditions to determine your risk level, such as: That's why they check your driving record. They want to know how much risk you carry for them. When you apply for car insurance, the company will know little about you.

Why Car Insurance Companies Check Your Driving Record If you are asking yourself how often do car insurance companies check your driving record, you will find all the answers in this post. It gives them a good indicator of how you drive and how responsible you are behind the wheel. One of the most important risk factors companies check is your driving record when you apply for auto insurance.

Check my driving record free florida