driving record information

August 9, 2006 2:45 PM

Is there a way to see (for free) the driving record information that car insurance companies use when setting their premiums?
posted by rootcause to work & money (7 comments total)

I worked with a (small rural) 3rd party provider (that sold Progressive, and a couple others), and they had to pay to obtain the driving records. I forget what company provided the reports to them, but it was some large corporation.
posted by SirStan at 2:50 PM on August 9, 2006

ChoiceTrust has the C.L.U.E. report. Since it is covered under the same laws as a credit bureau report, you get a free copy each year. Details. This is the report that the insurance companies use to find prior claims/accidents.

AFAIK, if they use one of these reports to raise your rate or even to raise a quoted price, they need to tell you and you get a free copy.
posted by smackfu at 2:57 PM on August 9, 2006 [1 favorite]

You should be able to get your official driving record for a small fee from your state DOT. I think I got mine once, for a small fee, from my local police station.
posted by stopgap at 3:00 PM on August 9, 2006

I also don't know what the span of the driving record is - since you got your driving license, since you moved to the current residence state, etc. Or maybe that varies from state to state..
posted by rootcause at 3:14 PM on August 9, 2006

Rhode Island Driving Records
posted by unknowncommand at 3:24 PM on August 9, 2006

That link doesn't make it clear that it costs $18. So it's not free, but since it's the actual DMV site, it's probably as cheap as you're going to find. The others, selling "non-certified copies," look to be about $30.
posted by unknowncommand at 3:35 PM on August 9, 2006

If you're currently a Progressive customer, you can see your record on their site. Perhaps other insurers would also be willing to share this info with their customers? You might try asking yours.
posted by jewzilla at 7:27 PM on August 9, 2006