Auto Insurance in Grand Prairie, TX

Texas requires drivers to prove they can pay for potential accident-related damage. Many drivers do so by purchasing auto liability insurance that meets the state’s minimum requirements. Drivers who finance or lease their vehicles may also be subject to insurance requirements from the lienholder.

The agents at Blackburn Insurance Agency in Grand Prairie, Texas, can help you get appropriate auto insurance coverage at a favorable rate. Contact us today for an auto insurance quote.

How Far Back Do Insurance Companies Look?

When you apply for auto insurance, providers evaluate your driving history to gauge the risk they’re undertaking. A primary component of this assessment involves viewing your driving record.

Insurance companies may look back three to five years to assess any recent accidents, traffic violations or other incidents that might indicate risk.

Not all incidents weigh equally. Major infractions like DUIs may be considered for a longer duration than minor traffic violations. Plus, the time of a record review can vary by state, as local regulations may dictate how far back insurance providers can look.

How Many Auto Insurance Claims Is Too Many?

The frequency of claims you file can influence your insurance premiums and even your insurability. It’s essential to understand the implications of multiple claims.

Comprehensive claims (like those for hail damage) may be viewed differently from collision claims. Multiple at-fault claims may raise more concerns than not-at-fault or comprehensive ones.

While one major claim might not raise your rates, several small ones might. Insurers often consider both the frequency and the severity of the claims.

Many insurance companies offer benefits or discounts to drivers who maintain a claim-free record over a specified period. Frequent claims could make you ineligible for these perks.

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Contact Blackburn Insurance Agency today to start comparing auto insurance quotes.