What do insurance companies look at?

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1. Do insurance companies check credit? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Insurance companies check your credit score in order to gauge the risk they’ll take to insure you. … If you have a low credit score, you’ll often pay a higher premium than if you had a high credit...
2. What happens when you switch car insurance companies? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE In general, you won’t be penalized for switching car insurance companies, no matter how often you change insurers. Although most companies will let you cancel for free at any time, waiting until the end of your policy will...
3. Do insurance companies check if you are married? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Answer: Yes — employers generally may require proof of marriage before adding a spouse to the company health-insurance plan. In fact, employers may require verification, not only of spouses, but of all dependents. CALL US NOW (Mon-Fri, 8am...
4. How long do insurance companies keep claims records? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Most home insurance claims will stay on your record between five and seven years but the exact time frame depends on the insurance company that’s pulling your claims history. The amount of time can also depend on the...
5. Do car insurance companies talk to each other? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE While car insurance companies don’t talk directly to each other, they do share information. All car insurance companies can access your claims history through a database called the Comprehensive Loss Underwriting Exchange (CLUE). They will also use other...
6. How far do car insurance companies go back? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Auto insurance companies will look back at your driving record for up to five years. Accidents, speeding tickets, and other traffic violations can stay on your driving record for up to three years. CALL US NOW (Mon-Fri, 8am...