Do I Need Full Drivers License to get Car Insurance
Reader’s Question:
My wife drivers license has been suspended for almost ten years. Can she still obtain car insurance. I have a learner permit and I have a used vehicle and I need car insurance. I tried to obtain car insurance however the insurance provider said that I need a full valid drivers license. Can my wife get the auto insurance in Appleton, Wisconsin?
Robert
Appleton, WI
It is possible that some insurance carriers will be able to insure your wife no longer have suspended drivers license and is getting her new valid drivers license. State laws vary with regards to suspended license and auto insurance laws.
Your car insurance and your spouse’s auto insurance will likely be categorize as high risk since you only have learner’s permit and is considered inexperienced driver and your wife has a suspended driver’s license for ten years.
You may be able to obtain car insurance quote from various websites and you can start getting quotes here. Just enter your zip code to get affordable auto insurance quote in Wisconsin.
How Long Does Speeding Ticket Stay on your Auto Insurance in Wisconsin
Reader’s Question:
How long does a speeding ticket remain on your record for insurance carriers? Was it three years? What is the current auto insurance rate in Wisconsin?
James
Green Bay, WI
Normally insurance carriers have a look back period to rate on an offense conviction for three, five or seven years. Since your speeding ticket would be on your driving record for five years then an insurance carrier could rate you on this violation for that time period or for a lesser time period.
Since insurance carriers look back period and rating systems differ so you will need to contact your insurance provider to check how long they will rate you on the speeding ticket.Your insurance agent in Green Bay, Wisconsin should be able to inform you about your insurance carrier’s rating system and/or you can contact the Wisconsin insurance regulator with whom surcharge and rates information must be filed with.
Rates vary from person to person, zip code to zip code I can only suggest you get a quote and find your rates.
How Far Can Insurers Can Look Back on Your Driving Record
Reader’s Question:
Someone told me that in the state of Wisconsin the car insurance carriers were only permitted to look back 3 years on your driving record. Is this true? I live in Wisconsin.
Neve
Kenosha, WI
I am not aware that insurance companies can only look at your driving record for three years in Wisconsin. Auto insurance carriers generally can go back 3, 5 or 7 years to look at a person’s driving record.
Most minor moving violations stay on your record for three years while major traffic violations can remain on your record for seven years or more. Many insurance providers will look 3 years back on a driver’s record for minor infractions but will look back for major offenses, i.e. DUI, for a longer period of time, such as 7 years.
On applications for car insurance many carriers will request information on previous accidents and moving violations and indicate how long proceeding the application date they will want you to list. If they request more than 3 years back, then you will need to list the moving violation and/or accident that happened during the time frame they requested information on.
Loading ...