Why Insurers Care
But, when you are not honest about your driving record, you become a high risk driver. That is, if you are not honest about this, the insurer is not sure what else you will not be honest about. Instead, put your best side forward. Provide accurate information about your accidents and driving violations.
They Will Know Anyway
Nearly all insurance companies will check your driving record with the local DMV before issuing the policy. And, when they do, they will learn about any points on your license. They also will learn about the types of violations you have. This includes reckless driving and speeding violations. This information is essential to insurers. It allows them to determine risk.
It is better to provide accurate information up front. If you are unsure about your driving record, visit your local DMV. Request a copy of it. Remember, online quote forms for auto insurance are just that, a quote. They are an estimate. The true price to you only occurs when the auto insurance provider verifies that information against records.
Car insurance is a financial investment. It is also a legally binding contract. Be honest about it. Or, you may find you do not have coverage when you need to file a claim for your losses.