Question

If my license was previously suspended but has been reinstated, will this affect my insurance?

My license expired while suspended. 8 years later I've now got my license back after paying fines, retaking the temporary permit test and drivers exam. Do I need to explain to insurance companies of me previously having a license? Is this a fresh start? Will they already know from my driving report?

Oct 6, 2016 Cleveland, OH

Answer
Neil Richardson

Oct 6, 2016

Your rate may be impacted by the prior suspension if it was within 3 years of the start date of a new policy, but each company is different so there is also a good chance that it won't have any impact. If you speak with an agent in person or over the phone you may want to mention the suspension but also note that it is currently valid to avoid any confusion since the driving report is run at the time that you purchase your policy and not when you get a quote. I'd recommend quoting with as many companies as possible to make sure you are getting the best rate. You can start getting quotes here and compare rates with hundreds of companies. Best of luck!

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