How Far Back Does Auto Insurance Look?
1615 POINTSview profileRyan AndrewPresident, The Andrew Agency, Richmond, VAIt depends on the company and the type of violation. Most companies review your driving record for the past 3 years but some companies look back 5 years. If you've had a major violation, such as a DWI or Reckless Driving that will show up for 5 years. I would highly recommend working with an independent agent who knows underwriting criteria and who can shop your policy with several different companies.Answered on April 30, 2013flag this answer
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersIn California driving records are looked back for 3 years from conviction date, (not violation date) for 3 years. There are a couple exceptions to this but over all this is the rule. However insurance carriers while they can no longer surcharge past 3 years may have discounts that go out 5-7 years for being a clean driver. This does not take into account a DUI that can effect your good driving status for 10 years.Answered on April 30, 2013flag this answer- 7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersThis can vary by state. In California your driving record is a very important rating factor. Insurance carriers will look back 3 years on minor moving violations and accidents as it relates to sur-charges. However insurance carriers can go back up to 10 years as it relates to receiving potential discounts.Answered on September 3, 2013flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaInsurance companies review the driving records of every driver in the household unless excluded. This goes back three years in California. If there is a DUI it remains on the record for ten years. There is also a review of claims history. This seems to go back quite a ways, perhaps five years. All violations and claims can be used to assess points and alter the rate for a particular car.Answered on July 10, 2014flag this answer
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