Travelers generally checks your driving record every 6 to 12 months, when you apply for a new policy or renew an existing one. Most car insurance companies tend to check less frequently if you have been their customer for a while, however, as they already have a sense of your driving habits.
Key Things to Know About Travelers Driving Record Checks
For new customers, Travelers will check your driving history to determine your insurance rates and how risky of a driver you are to insure. A recent at-fault accident or serious traffic violation could significantly raise your rates.
Once you are an existing customer, Travelers will run a check on your driving record at least a few weeks before your policy is set to expire. This allows Travelers to reassess your riskiness and determine your premium.
Travelers gets your driving record from your state’s DMV or LexisNexis, and they check the past 5 years for accidents and moving violations.
If you were cited for a moving violation or got into an accident mid-policy, your rates will not change until your next renewal.
If your driving record has any new violations since Travelers last checked, your rates will likely increase. For example, Travelers insurance premiums will increase by an average of 68% after an accident, and by 50% after a speeding ticket.
If your Travelers insurance rates recently increased because of an accident or a moving violation on your driving record, you can look for discounts from Travelers to help lower your rates, consider increasing your deductible, or potentially trade in your car for one that is cheaper to insure. You should also compare quotes from other companies to see if you could get cheaper rates by switching insurers.
Yes, Travelers offers accident forgiveness, which forgives one at-fault accident every three years. Travelers accident forgiveness is available as part of the company’s Responsible Driver Plan and Premier Responsible Driver Plan, which are optional protection plans customers can buy. Prices for these plans vary depending on your location, as well as other factors like your driving history and the coverage options on your policy.
In addition to accident forgiveness, the Travelers Responsible Driver Plan...
Travelers insurance rates go up by an average of 73% after an accident. Drivers who have Travelers accident forgiveness will not see their car insurance rates go up at all after their first accident in 3-5 years, however. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.
The exact amount that premiums go up after an accident depends on a few factors, including who...
Insurance companies get driving records directly from state DMVs or LexisNexis. When buying auto insurance, you agree to let car insurance companies check your official driving record for past moving violations and your CLUE report for past auto insurance claims.
Records That Insurance Companies Check
Your driving record, also known as your Motor Vehicle Record (MVR), generally contains information about your driver’s license, moving violations, DUI convictions, and completed defensive driving courses....
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