How to Access Your Car Insurance History Easily

Knowing your car insurance history gives you insight into why you might receive a certain quote for a new policy. You may also need to furnish proof of insurance to demonstrate continuous coverage or financial responsibility as a driver. Although many insurance companies can look up a person’s policy and claim history, there might be times when you need to get it yourself to purchase liability or comprehensive coverage. Whatever your reason might be, you can use these strategies to get your most recent car insurance history report.

Check with Your Insurance Company

If you’re already covered by an auto insurance policy, your first step is to check with your current insurance company. Depending on the company, you can usually get a copy of your car insurance history within a week or even the same day. Your auto insurance company can send you the report online if you need it right away or mail you a paper copy. You may hear insurance companies refer to this history log as a letter of experience.

Contact Your State’s Department of Motor Vehicles

In some cases, it might be up to you to get the information you need. If you aren’t sure of the insurance company you worked with in the past, reaching out to the DMV can help you track down the information. In California, you’ll have several options for requesting the information. For instance, you can submit a Financial Responsibility Request form if you need to prove you have or had auto insurance on a specific vehicle or while driving.

You can also send in a Request for Record Information if you’d like a more comprehensive report. If you aren’t sure of how to access the forms or what you need, contacting your local DMV office can put you in touch with a representative. Typically, you’ll need to set up an online account and pay a small fee when you request your driving record from the DMV. You can also request driving records for other people, such as your teen driver who lives with you.

Know How to Get Your Claims History

If you need to find out your claims history with an insurance company, you can check out your Comprehensive Loss Underwriting Exchange Report (CLUE). This report is maintained by the company LexisNexis, which is known for managing data analytics information. As a driver, you have a right to see what’s in this report. You can contact LexisNexis through their phone number, or you can request a copy of your record online.

Having everyone’s information in a national exchange system streamlines the flow of information. If you’re seeking new insurance, it’s possible your agency will use this method to find out about your claim history and any inquiries you’ve made over the years. With this in mind, you’ll also want to remember being proactive as a driver can prevent accidents and maintaining continuous coverage is beneficial for getting the best rates on policies in the future.

If you need reliable and affordable car insurance, reach out to Altra Insurance Services. We also offer top-quality motorcycle insurance as well as homeowners and commercial insurance. To receive a complimentary quote, get in touch with one of our friendly agents.