Progressive looks back at three years of your driving record while calculating premiums. So if you are getting a quote from Progressive and have a moving violation from four years ago, it will not affect your base rate. However, even after three years, an accident or DUI could disqualify you from certain savings, like a good driver discount.
In California, for example, a DUI will remain on-record for 10 years, while in Florida it stays for 75 years. Similarly, an accident will stay on your Progressive record for five years, although it will only affect discounts, not your base premium, after three years.
Like with any insurance company, drivers with more violations on their record will be considered higher risk by Progressive and will pay a higher premium as a result. Similarly, Progressive will also take other factors into account when deciding on your rate, such as your location, your age, and your vehicle’s value.
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