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What date are car insurance companies looking for when asking for date first licensed?
When an insurance company asks for the date you were first licensed, are they asking for the date you got your learner’s permit, or the date you got your full driver’s license?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
When
car insurance
companies ask for the date you were first licensed, they are looking for the date that you received your full, unrestricted license. Companies ask for this date to confirm your driving experience.While you gain experience with a learner’s permit, you technically can’t legally drive without another licensed individual. This is why insurance providers don’t consider the time with your learner’s permit as valid driving experience.
Statistically,
newer drivers
are more likely to get into an accident because of their limited experience on the road. This causes insurers to charge young drivers higher premiums
than their older counterparts. As you gain more experience, your rates should decrease as long as you maintain a
clean driving record
.View full answer
- Gregory R.
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