Year 
Car Insurance FAQs #2
How does my driving record affect my insurance premium?
The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.
Why is it harder to get insurance if drivers in my household have bad driving records?
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