Car insurance?
Monday, March 1st, 2010 at
6:40 pm
Irish_Girl860509 asked:
I will be graduating from college in a year or two, and when I start my job I will have to pay for my own car insurance. I have had a few small accidents, but they all still count as accidents and raise the insurance I have. So my question is, will my “record” still be the same if I switch companies? My last accident was over a year ago. And how long does it take for the rates to go back down, if at all?
I mean when I had all my accidents it was the first few years after I got my drivers license so I don’t think it counts towards how good of a driver I am now… right?
I will be graduating from college in a year or two, and when I start my job I will have to pay for my own car insurance. I have had a few small accidents, but they all still count as accidents and raise the insurance I have. So my question is, will my “record” still be the same if I switch companies? My last accident was over a year ago. And how long does it take for the rates to go back down, if at all?
I mean when I had all my accidents it was the first few years after I got my drivers license so I don’t think it counts towards how good of a driver I am now… right?
Tagged with: Car Insurance • First Few Years • Job
Filed under: Car Insurance
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Insurance companies look back at least 3 years, 5 years for more serious offenses, and some actually look back 7 if it’s something very serious like vehicular manslaughter. But usually they will ask about anything in the past 3 years.
Nope, insurance companies look 3-5 years back. Any accidents, losses or moving violations will count no matter what company you switch to.
they stay on 3 -5 yrs depending on where you live. all companies have access to your driving record, so switching companies is not gonna get you “off the hook” so to speak. some companies rates may be lower though, so even with the points you may find it cheaper if you look around