WalletHub, Financial Company
@WalletHub
Insurance companies may check your driving record every 6 to 12 months when you apply for a new policy or renew an existing one. Car insurance companies might also check your driving record when you add a new driver, add a new vehicle, or change your coverage details.
By checking your driving record, insurance companies can determine how safe of a driver you are, which helps them estimate how risky you will be to insure. However, checking someone’s driving record costs money, so insurance companies are less likely to check your record if you are an experienced driver who has been with the company for years.
If your insurance company doesn’t check your record at every renewal, your rate might not change after a recent violation. But insurers do not disclose how often they skip record checks, and you can count on them finding out about violations eventually.
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