Accessing Your Driving Record Via Progressive Auto Insurance

Progressive Auto Insurance offers a wide range of services to its customers, including 24/7 access to their auto insurance card and coverage information. Customers can obtain their proof of insurance card by calling, logging in online, or through the Progressive mobile app. Additionally, Progressive provides insurance to drivers with a DUI violation and can file an SR-22 if necessary. Progressive considers various factors when determining insurance rates, including driving records, with most companies looking back at the previous three to five years of driving history.

Progressive's online rates vs rates from an agent

Progressive offers its customers the choice to buy their car insurance policy directly from the company (online, by phone, or on a mobile device) or through an independent agent or broker. Progressive's online rates may differ from the rates offered by an agent due to differences in expenses and other business aspects among these sales channels.

When purchasing a policy directly from Progressive, the rate reflects the company's staffing and maintenance costs for its sales centers, as well as a larger portion of their marketing expenses. On the other hand, when buying through an agent or broker, the rate includes the commission paid to the intermediary for selling the policy.

For example, a customer in Georgia, USA, who received an online quote from Progressive, found that the quote from an independent agent affiliated with Progressive was $130 more for six months of coverage. This difference may be attributed to the inclusion of the agent's commission in the rate and could be influenced by the agent's tier rating, which is based on sales volume and profitable business.

However, it is important to note that Progressive's rates, whether online or through an agent, are determined by various factors, including the customer's driving record, location, age, gender, and the type and value of their vehicle. Additionally, Progressive offers a range of discounts and benefits to its customers, regardless of how they choose to purchase their policy. These benefits include 24/7 customer support, claims assistance, and online services.

Proof of insurance

• The name and address of the insurance company
• The effective date and expiration date of the policy
• The first and last name of the "named insured"
• The insured vehicle's make, model, year, and Vehicle Identification Number (VIN)

You can usually obtain proof of insurance right after purchasing a policy, either by receiving an email with a link to your insurance card or by logging into your account to print or download your ID card. You can also request that your insurance company send you a physical copy of your proof of insurance in the mail.

It is important to always carry your proof of insurance with you when driving, as it may be requested by police officers, the DMV, or other authorities. Most states allow you to show digital proof of insurance on your phone, but it is still a good idea to carry a paper copy as well, in case your phone is dead or you don't have service.

Keep in mind that proof of insurance is different from an SR-22 or FR-44, which is a document filed with your state to prove financial responsibility after certain violations. While proof of insurance should be carried by all drivers, an SR-22 or FR-44 is only required in specific circumstances.

DUI on driving record

A DUI conviction will have serious implications for your driving record and insurance rates. In most states, a DUI will remain on your driving record for three to five years. However, in California, a DUI conviction will stay on your driving record for ten years from the date of the violation or arrest. This information is maintained by the California Department of Motor Vehicles (DMV).

The presence of a DUI on your driving record can lead to increased insurance rates, as insurance companies often view DUI convictions as high-risk behaviour. Even after the DUI is no longer on your driving record, you may continue to experience elevated insurance rates for several years. Progressive, for instance, raises rates by a countrywide average of about 13% after a single DUI.

In addition to the driving record, a DUI charge can remain on your criminal record indefinitely unless you take legal action to have it expunged or sealed. This can impact background checks for employment, housing, and professional licenses. The criminal record of a DUI may also be relevant in the event of future DUI charges, as penalties for subsequent offences are typically more severe.

It's important to note that a DUI conviction can result in the suspension or revocation of your driving privileges. In California, a first-time DUI offence usually leads to a six-month license suspension.

How to check your driving record

To check your driving record, you can request a copy of your Motor Vehicle Record (MVR) from your state's Department of Motor Vehicles (DMV) or the relevant motor vehicle agency. This record contains vital information about you, such as your name, date of birth, and driver's license number. It also includes details of any motor vehicle events, such as traffic citations, license suspensions, DUI convictions, and accident reports. Most states charge a small fee for issuing a copy of your MVR. Depending on the state, you may be able to apply online or by mail. Check your state's DMV or BMV website to find out how to request a personal copy of your MVR.

It's a good idea to check your MVR for any inaccuracies, just as you would with your credit report. For example, if you took a defensive driving class to reduce the number of points on your license after a ticket, check your MVR to ensure the change was made. If not, you'll need to contact the DMV or BMV to update your record.

In addition to obtaining your MVR from the DMV, you can also learn how to check your driving record through other means. For instance, some states offer an instant driving record service on their DMV website. Alternatively, you can use a third-party website that provides a free car insurance comparison tool. By entering your ZIP code, you can compare quotes from top companies and see how your driving record impacts local rates. However, keep in mind that these websites may require your driver's license number to retrieve information about your driving history.

It's important to note that insurance companies will also check your driving record when you apply for a new policy or renew an existing one. They typically look back at the previous three to five years of your driving history, although this may vary depending on the company and state regulations. Any accidents, traffic violations, or DUI convictions on your record can increase your insurance rates.

How to get auto insurance after a DUI

A DUI conviction can have serious consequences for your auto insurance, with some insurance carriers refusing to cover you and others charging significantly higher premiums. Here is a guide on how to get auto insurance after a DUI:

Inform Your Insurer

It is a good idea to reach out to your insurance company after receiving a DUI conviction. While you are not legally or contractually obligated to do so, your insurer will likely find out about the conviction when they check your driving record prior to your next policy renewal. Being proactive can save you the scramble in case they drop you as a policyholder or increase your rates to an unaffordable level.

File an SR-22 Form

In most states, courts will order DUI offenders to link a certificate of financial responsibility, commonly known as an SR-22 form, to their auto insurance policies. This document attests that you have the legally required minimum insurance coverage for your state. Your insurance company can file this form with the state on your behalf, for a fee. Note that an SR-22 filing compels your insurer to notify your state's department of motor vehicles if your policy lapses, which will typically trigger an immediate suspension of your driver's license.

Expect a Rate Increase

When your policy is up for renewal following a DUI conviction, you can expect your premiums to go up. The amount of the increase will vary depending on your state and driving history. On average, a DUI conviction leads to an 80% increase in premiums, or $1,163 per year.

Shop Around for Insurance

If your current insurer cancels your policy or makes your premiums unaffordable, you can look for coverage from other insurers. Compare rates from multiple providers, as each insurer determines rates in their own way, based on factors such as your credit score and ZIP code. Make sure to be upfront about your DUI when getting quotes, as your insurer will find out about the conviction when they check your driving record.

Consider Alternative Transportation

While it may be less convenient, using alternative forms of transportation such as buses, cabs, or ride-sharing services for a few years could be more affordable than paying for high-risk auto insurance. Keep in mind that a long gap in your insurance coverage history may contribute to higher premiums when you get another policy.

Improve Your Credit Score

In most states, insurance companies use a credit-based insurance score to help determine your auto insurance premiums. Taking steps to increase your credit score could help reduce your rates.

Avoid Additional Infractions

Establishing and maintaining a clean driving record is crucial after a DUI conviction. A second conviction for driving impaired could cost you far more than a hike in your insurance rates, potentially resulting in the loss of your driver's license or even your freedom.

Frequently asked questions