The advent of the Internet has allowed consumers to bypass the time consuming task of calling several insurance companies to get quotes. Instead of hours on the phone, you can comparison shop in a few minutes the various rates and coverage offered by different companies. There is no set time frame for doing this, and it is wise to do it every so often, maybe every few months, to look around and see if you can find a better deal. When you do look into different insurers, do not worry about the company affecting your credit by checking your score. They do not do an in-depth analysis, so it won’t affect your score adversely.
The reason that the company checks into your credit score is to assess with the Department of Motor Vehicles and with the various credit reporting agencies. This is to see if late payments, a wreck or even a speeding ticket is on file that would affect the rate you pay each month. If you have something aversive on your driving record, it takes only a period of five years for it to be cleared off for many of the minor violations. If you have had credit problems in the past, and you have been able to bring it up by paying off debt, your insurer may be unaware of your new score. If you check around on the market and comparison shop on quotes, you will probably be able to locate a better insurance rate.
Another area of concern for many insurers is when they see that a driver has a lapse, or a period of time when they did not carry insurance. Your insurance background is a judgement marker when a company decides your rate. The best avenue to take if you have been without insurance for a time, but have renewed with the same company is to keep with them. Do this for a good length of time, and this will improve your history when viewed by another insurer. If you are able to stay with a company for a long time, you may also get a break on your rate for being a loyal customer.