NLIC.org

Dianne Said:

How do auto insurance companies know if you have had car accidents/tickets in the past?

We Answered:

Unfortunately, yes they are. It's called CHOICEPOINT (C.L.U.E., Inc) and ALL Insurance companies use this company as a repository of claims information to cross check everyone for all types of policies (Home, Auto, Liability, etc.). But, the good thing is because they are legally considered a Credit Bureua you can request a copy of your file to see what they have on you. You are entitled to a FREE report from them as required by the FACT ACT. Who knows, maybe they don't have anythiong on you. Give it a try. Go here to access: http://www.choicetrust.com/servlet/com.kx.shared.util.ClickMan2?site=3&clickid=792070842162806786

Leslie Said:

Which auto insurance companies in California offer auto insurance for international driving license?

We Answered:

Try smaller companies. Sometimes big ones are more strict.

Also, don't say International Driving License. Tell them that you have a license from whichever country you have, and that you have an IDL to go with it.

Howard Said:

Which auto insurance companies offer Drivers Ed discounts?

We Answered:

I'm pretty sure they all offer a 10 % discount for Driver's Ed.

Just send them a copy of the certificate...never give them the original. it's usually only good for 3 years...then you have to take Defensive Drivers class to be good for another 3 yrs.

Connie Said:

Why are there so few auto insurance companies in Massachusetts?

We Answered:

I remember many years ago (late '70s) when I was applying to M.I.T., the material they sent me said that MA had the highest rate of car theft in the nation. I don't know if that's still the case after more than 25 years, but if so, that could cause there to be few insurance companies there.

I know it's maybe the only state left in which Geico won't insure.

Cassandra Said:

Do all states now allow auto insurance companies to check your credit?

We Answered:

There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN.

The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Bobby Said:

What are some really good auto insurance companies?

We Answered:

insurance is different for each person.

the best thing you can do is get free quotes online from places like www.geico.com and www.progressive.com

i have state farm, which is the cheapest for me. they are a great company. i've had no problems. I've also been hit by people with geico and progressive, and both of those companies handled the claims very well. I have not complaints.