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 provided by
avatar
Jackie Whalen
Answered on Mar 12, 2021
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.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies