I'd like to hear what other insurance companies are out there. My main concern is that most of them check your driving history for the last 5 years. Are there any that only check for that last 3 years?

My current situation is that I'm under my folks policy and I usually pick up some of their coverage premiums for their cars. I'm 24 I don't live with them so I need my own policy. I had a "reckless driving" incident back in August of 2005. Then I got a speeding ticket in Oct of 2005. Since that last ticket, I haven't had any more violations. So I can say my driving record has been clean for the last 4 years and 1 month. All these other insurance companies IE Allstate and Geico check the last 5 years and I know those last 2 violations don't look pretty. Any advise?

 

im not sure if just anyone can get it, but if you can get usaa, they are by miles the best. Hell i paid 22 a month minimum insurance before i got my new explorer. Now for my tbird and explorer full coverage with rental car/roadside assistance i pay 105 and some change.

 

A couple years ago I had Esurance...went along good until my premium started going up. First couple times it was maybe $50 for 6 months, then all the sudden it went up $300 for the next 6 month renewal. I had no changes in driving record, address, car, nothing at all. WHen I asked them why they wouldnt give me a straight answer so I dumped them.

Ive been with Geico for around 2 years now. They were a couple hundred less than Esurance. No complaints so far. I can do all my payments, policy changes, etc online.

I had Direct (Florida No Fault) for several years, but one year they never sent me a renewal form, so I shopped around and switched.

 

progressive only looks back 3 yrs

 

Alright, I'll look into USAA tonight thanks! I think progressive checks the last 5 years but I'll confirm that again.

For a moment here, I thought all the TR people were uninsured lol.

 

she works at progressive so she'd probably know

 

yeah....its 5 yrs for accidents and 3 yrs for violations... thats for most states, some states its only 3 yrs period for both and i'm pretty sure fl is one of those.

 

i have to renew this next week too.. im with assurance america.. i pay 75/month for been 20 and owning a civic not all that bad...