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Ways Auto Insurance Companies Find Out About A Driving Record

Thursday, April 15th, 2010

When applying for auto insurance, there are always the looming questions of how and when auto insurance companies find out about a driver’s record. This is also why it is important not to budget future auto insurance expenses based upon a generic auto insurance quote generated online because such quotes may not take into account the rating system a particular company uses to calculate auto insurance premiums.

To further complicate matters, not all auto insurance companies check with the same frequency or using the same criteria. Some companies will check only the DMV (Department of Motor Vehicles) before issuing an auto insurance quote. Other companies may also evaluate the credit score of the insurance applicant. Some companies check only when issuing a new quote or making a change to an existing policy. Other companies will do random spot checks to identify recent changes to a policy holder’s driving record. However, all insurance companies will use the DMV records in the applicant’s state of residence as a baseline for issuing a quote and setting auto insurance premiums. Companies will set the estimated risk level of an applicant from determining the number of points on a driver’s record at the time an application for insurance coverage is filed. Here is where a low score really works to the applicant’s advantage – no or low points indicates low risk, and these drivers are rewarded with lower premiums.

This is why understanding how a driving record is set is equally critical to managing auto insurance premium expenses. A driving record is not unlike a set of test results except in reverse – the lower the score, the better the driver. High scores on driving records indicate high risk to insurance companies with correspondingly high auto insurance quotes soon to follow. Speeding tickets, illegal lane changes, parking violations, collisions, running red lights or stop signs, unsafe driving practices and more will be subject to increased driver record scores.

While it can seem puzzling that agents have access to a driver’s record with the DMV, the act of applying for an auto insurance quote is what gives the auto insurance company the right to gain access to the applicant’s DMV records. Auto insurance companies can also conduct an online search and approach federal agencies for these records, but the DMV is the source most often and easily accessed. The best way to apply for auto insurance quotes is to be knowledgeable about personal driving record data before beginning to gather quotes. Additionally, for high risk drivers there are also memberships available for a nominal fee that can notify a driver of changes to driving record that may increase or decrease premiums.

What Kind of Auto Insurance Options Do I Have with a Spotty Driving Record?

Tuesday, June 30th, 2009

Fearful of calling for an auto insurance quote because of a few mistakes on your driving record?

If you have an imperfect driving history, know that getting an insurance quote does not have to be as much of a hassle as traffic court. We provide auto insurance quotes online and guarantee you will get your quote quickly by our professional staff.

We know you have better things to do than spend an hour on the telephone getting a car insurance quote. So we will keep the questions online and to a minimum, and you will have your auto insurance quote in minutes. Getting a car insurance quote is something that you have to do in order ensure your safety and the safety of your family. By giving you an auto car insurance quote online, we eliminate the long, drawn-out telephone conversations other companies put you through.

And if your driving record is less than stellar, that telephone conversation regarding an auto insurance quote can be especially painful. We know this.

That is why we are changing all that. We are taking the pain, stress, and wasted time out of getting a car insurance quote. Getting an auto insurance quote online from us is one of the best decisions you will ever make. Getting an auto insurance quote online from us will save you time and money – two key commodities in this day and age.

If you are getting a car insurance quote from us, you can be certain it will be fast, fair, and focused on saving you money. We make our auto insurance quotes with our customers in mind. We want you to be happy and to stay with us for your insurance needs. That is why we pride ourselves on our procedure of giving auto insurance quotes online.

Once you get a car insurance quote online from us, you can rest assured that you will be getting the best value for your money. Our auto insurance quote will save you money. Plus, our car insurance quote online will be quick and have you back doing what you would rather be doing in no time.

You will be amazed at how quick and hassle-free getting a car insurance quote from us can be, even if you have a spotty driving record. Our online car insurance quotes will beat any competing coverage for the money, and our coverage will be there for you regardless of your driving record. Getting a car insurance quote from us can help save you hundreds of dollars and precious time.

Get your auto insurance quote from us today. You’ll be glad you did.

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