Virtually all insurance companies will look at least 3 years back on your driving record. Some will go back as much as 5 years.
Many states have a points system where you get points against your license when you get tickets. Often, you can take safety classes to reduce or eliminate these points. The insurance companies don't care about this. They just care about how many tickets and accidents you've had.
Quote:
|
BTW: i didnt notice a change in my automobile rates oddly enough.
|
That's because most companies only look at your driving record when you are applying for new insurance. They don't routinely do searches of your record to look for tickets. Once you are with a company, the only thing that will typically raise your rates is if they have to pay out more than a couple of hundred dollars for a claim.
If you're concerned about the insurance costs, then save your money and pay cash for a bike that you can afford (used if necessary). Then at most you will only have to carry liability insurance, which is considerably cheaper than full coverage.
There is no reason to pay 30% to 50% of what a bike is worth every year for full coverage if you don't have to. Keep in mind that what an insurance company will pay for a totalled bike is probably quite a bit less than what you might think it is worth. As soon as you drive that M50 out the door, that $6,900 value will probably be about $5,000 as far as the insurance company is concerned.