1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Car insurance companies can request to see your driving record when you apply for coverage. This information is used to determine the rate you pay and what discounts you could qualify for, that might reduce your premium.

    Since each carrier is different, a broker can make it easy for you to find the lowest rates in your area and apply for that coverage.

    If you have had tickets and accidents that might still appear on your driving record, a broker can compare the best options from dozens of companies. Online quotes from the top websites can also help. There is never a charge for receiving quotes.
    Answered on May 10, 2013
  2. 360 POINTS
    Frank Bisarek
    Agent/Agency Owner, Encore Insurance Group of Omaha, Omaha, NE
    Insurance companies if you are currently insured can see and pull an updated motor vehicle record on you or any additional insureds on the policy.  Not every company does it the same and you could have violations since the policy was put into force that you are not being charged for.

    If you are looking for quotes then agents will ask if you have had any tickets or accidents usually in the last 5 years or will ask for your license number so they can pull your motor vehicle record and claim record.  This is usually the best way for you so the quotes you get are the correct pricing.

    Find a local agent and ask when you get your quotes if your MVR was pulled if the answer is yes the quotes you are recieving from them should be pretty close to the final rates.
    Answered on May 10, 2013
  3. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    When you apply for auto insurance coverage with a carrier they pull your MVR record from your driver's license information that you have provided. If the carrier is not able to secure your driving record information they may either decline providing coverage to you or possibly surcharge their base rates.
    Answered on July 26, 2013
  4. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Car insurance companies can see your driving record when you grant permission. Typically, when you apply for coverage, you give your consent for the insurer to check your MVR and other possible accident information..  The information is used to help determine the rate you pay and what discounts you may be eligible for.
    Answered on March 29, 2014
  5. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Autoinsurance companies must see your driving record in order to properly rate your auto insurance policy. Once a quote has been offered an agent will ask your permission to run your motor vehicle record in order to validate the rate. Should any violations or accidents show up on the record that were not disclosed the rate would be adjust accordingly. If you are with an existing insurance provider the carrier will usually run your record on an annual basis to see if there is any activity and adjust rates accordingly or possibly chose not to offer a renewal due to high activity on your driving record.
    Answered on March 30, 2014
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