Originally Posted by SHOFEAR94

Its not a mystery what I do for a living but basically what Swampass said is right. "Most" insurance companies *charge* for 3 years of activity and underwrite (or take into consideration) for 5 years or more. If the accident was reported and there was a payout..whether it was $800 or $50,000, you will see a surcharge to your rates. And if you are 20 years old, have tickets, you are not the cream of the crop and are a risky driver and will pay more. Progressive Insurance caters more so to higher risk drivers, Allstate and State Farm want prefered groups of drivers, and GEICO is sort of a mismash of everyone. Remember, your DMV points total is not the same as insurance points.