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Do all auto insurance companies check with your DMV for your driving record?

I got some minor accident on my record, something like bumping into someone and leaving a dent, I don't even really remember it was like 4 years ago. Anyway, this car was a rental that I dented and a very expensive one at that, ended up being 2500 to fix even though I could have popped the dent out for free. But because of this incident, state farm and geico are charging me out the wazo because I'm a 20 year old male with speeding tickets and this accident thing that happened a long ass time ago. The difference without the accident on there is amazing, so I'm trying to find a place that will ignore this thing that happened in SEP of 04. Anyone know of a place? Thank you. Yeah unfortunately taking a defensive driving course in Virginia won't get you anywhere.

Asked By: Sandfrog - 4/25/2007
Best Answer - Chosen by Asker
Insurance companies are entitled to see three years back on your driving record, by the dates you give, that means this accident will drop off your record in September 07. At that point, your rates will drop. Bear in mind, males under the age of 25, pay higher rates than the norm, so driving responsibly is in your best... More
Answered By: fisherwoman - 4/25/2007
Additional Answers (5)
Most insurance companies should only look at the last three years. But no matter what it will be very expensive since you a 20 yr male with tickets
Answered By: katb - 4/25/2007
 
If you go take a defenseive driving course every place will ignore it. Its a 5 hour course that cost a small 50 dollar fee which is tiny compared to the savings on your ins:
Answered By: slamed83 - 4/25/2007
 
I am an adjuster, not a broker/agent, but, as far as I know a DMV check is standard, especially for your age group (sorry)...however, alot only go back 3 years...State Farm usually only goes back 3 years...perhaps that is different due to your age as well (?). Try the AIG website or Progressive to get a variety of... More
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Answered By: kelmel - 4/25/2007
 
There is no company that will ignore something that happened less than 3 years ago. Stay with your current company until August of 07 and then check with Progressive. They only go back 35 months.
Source(s):
Answered By: blb - 4/26/2007
 
Most insurance companies go back 3 years on minor violation and at fault accidents, 5 years on major violations, i.e., speeding over 25mph, reckless driving, etc. and 7 years on DUI. It's pretty much the industry standard. No insurance company will write auto coverage without checking your driving record and previous... More
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Answered By: McLaren - 4/27/2007
 
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