How do car insurance companies check your background?

I know that carriers check me out before giving me a quote. But where do they get their information?

Answer
Car insurance companies hate risk. The riskier the driver, the more likely it is that these companies will have to pay claims. So before they insure you, they check your driving history, credit, and claims report.
They normally use a third-party company to run the reports for them, such as LexisNexis. These reports help them to decide if you are a good risk or not, and what your insurance rate should be.
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Jackie Whalen
Answered on Mar 12, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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