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Which car insurance companies only look back three years for claims and driving history?
Are there any car insurance companies that only look back three years or less? My driving record has improved significantly in the past two years.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Two major
car insurance
companies that may only look back three years for claims and driving history include:Certain state laws may also limit how far insurance companies can look back.
While these providers sometimes only use a few years of your driving and claims history in their calculations, you shouldn’t count on it.
Car insurance providers can and often do access up to seven years of your claims and driving history through a shared database: the Comprehensive Loss Underwriting Exchange (CLUE).
If you’re worried your former poor driving record will affect your current rates, using a free insurance comparison app like
Jerry
can help you make sure you get the best coverage at the lowest price no matter how far back your new provider looks.View full answer
- Gregory R.
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