Car Insurance policies are different for each person. Most companies use a credit score (we have some that do not). Then they look at your driving record, information your VIN provides about your car, the coverage you want, any discounts you are eligible for, and a ton of other data.
We can provide coverage for super preferred drivers, and to those with multiple dings on their records. It's the advantage we have, by representing many different companies. In Virginia, we provide instant FR-44 & SR 22 to those who need them.
1. What causes auto insurance to go up?
Some companies use credit scores as an additional factor in their rates. All companies use your driving record and a 'Clue' report which tells them about claims paid on your car.
2. If I had an accident on private property or didn't get a ticket for an accident, why does that count against my rate?
Insurance companies don't care if you got a ticket for an accident. If money was paid out for a claim, it counts.
3. How long do things stay on my record?
Most companies look at your record for the last 3 years. However, eligibility for preferred companies is often based on a 5 year look.
4. How long do I have to carry an SR-22 or FR-44?
If you're caught without insurance you have to carry the SR-22 for 3 years without a gap in coverage. A DUI triggers the FR-44, which you have to carry for 5 years without a gap. The DMV does not notify the insurance company or agency when you no longer need one of the above filings. You need to check with the DMV and ask for a written statement that the filing is no longer needed.
5. What do I do if I get a letter from DMV about my insurance?
Act immediately, they give you a limited amount of time to respond and will penalize you for a late response. If the letter is about insurance verification, use this link DMVnow .