Reader’s Question:

Would my driving history in New York affect my car insurance after I move here in Miami, Florida?

Lex

Miami, FL

Definitely. Any car insurance provider there in Miami, Florida (or anywhere else for that matter) can get a copy of your New York driving history. This is because your driving record is not limited per state. The purpose of your driving record is very similar to that of your your credit history, it keeps track of any violations you have had, or any car accidents you got involved in and gives companies, in this case car insurance providers, a good idea of the level of risk you carry as a customer/ driver.

You may be glad to know that not all insurance companies would immediately see any recent moving violations you may have had. In fact, some violation records can go under the insurance company’s radar for quite a while. Also, insurance companies would typically look at your record within the last three to five years. Your driving record has a major influence on how your premiums come out.

Here are some other factors that you can expect your car insurance carrier to use when your premiums are computed:

1.Age of Driver
2.Type, Make, Model, Year and Manufacturer of the vehicle to be insured.
3.Marital Status
4.Gender
5.Credit History
6.Where You Live
7.Discounts you may be eligible for

One of the most effective ways to get better car insurance coverage is to search for a suitable policy on The Web. We encourage you to use our free insurance quote search tool to help you find the best rates and most affordable policies available to you.