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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?

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Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”
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