Notable car insurance companies that only look back 3 years for violations and claims include Progressive and State Farm. Many car insurance providers only look back at the past 2-3 years on a customer’s driving record to check for claims on an insurance policy or minor moving violations. But some auto insurance companies will look back as far as 5-10 years for major violations and claims when making underwriting decisions.
In addition to differences in company rules, auto insurance providers are sometimes limited by state laws to only looking back 3 years for information on someone’s driving record. For example, the states of Virginia and Washington require that auto insurance companies disregard driving-record info that is more than 3 years old. Massachusetts and California, on the other hand, are examples of states that allow companies to look back up to 10 years.
For context, when you’re shopping for auto insurance, you agree to let car insurance companies that you apply with collect your official Motor Vehicle Report (MVR) and Claim Loss Underwriting Exchange (CLUE) report in the state where you’re licensed. It’s important that you don’t purposely misrepresent or omit a moving violation or claim, as doing so can lead to inaccurate quotes, policy cancellations and claims denials. It’s also important to remember that even if you’re dealing with one of the many car insurance companies that only look back 3 years, every auto insurance provider calculates risk in its own way, so it’s best to shop around for the best rate.
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