Does an insurance company always check your driving record?

My parents are kicking me off their insurance, so I'm getting car insurance for the first time. I've been driving for awhile and I have several tickets. Do car insurance companies always check your driving record?

Answer
“Whenever you’re applying for car insurance, every company will undoubtedly check your driving record.
Even though you have been driving for a longer period of time, not having a clean record can impact your rate. Someone with tickets or accidents on their record is likely to have a higher rate than someone who has a clean record. Because you’re deemed a higher risk due to these tickets, you’ll pay more for insurance.
Despite your poor driving record, you may still be able to find affordable car insurance without a clean record. You can request car insurance quotes online to determine what the best rate for you will be based on the coverage you require.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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