Why do car insurance companies look at your driving record?

I was told that all car insurance companies look at your driving record. Why is that?

“Your driving record, also known as a motor vehicle report, shows important information about you as a driver. Car insurance companies use this information to assess your risk level and adjust your rate accordingly.
Driving records contain:
  • Tickets or citations
  • Accidents
  • Driving-related incidents that you’ve been involved in
  • License suspension
  • Points or demerits on your license
As a result, a clean driving record can often save you hundreds of dollars each year compared to someone with a poor driving record.
If you have an excellent driving record or even a poor one, the Jerry app lets you compare dozens of rates from top insurers. By going through these quotes, you can find a rate that’s in line with your coverage needs and budget.”
Emily Maracle
Answered on Jul 30, 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.

Did this answer help you?

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

Have a different question?

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