Driving History

My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.

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What do insurance companies use to determine high risk drivers?

Every insurance company rates drivers differently. There are also other factors, such as credit, continuous insurance history, and age that can determine you to be a high-risk driver.

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How can I get insurance with a not so good driving record?

Unfortunately the decreasing of points on your license doesn't necessarily translate to lower insurance rates, because the original ticket itself is still on your record. If you happen to have tickets actually dropped from your driving record then that would lead to lower rates. Tickets impact your rate for 3 years, so once the tickets pass the 3 year mark in 2018 then you should see a significant drop in the insurance premiums available to you.

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Can I insure my son's car for him since he has a bad driving record?

You can put the policy in your name, but there are a few stipulations. First, your son's vehicle would have to be kept at your home.

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How do I get cheaper rates in Oregon if I have to file an SR22?

Outside of shopping with as many companies as possible to find the lowest rate, I'd recommend driving much more cautiously. Only time is going to make your rate any better since you have so many incidents on your driving record.

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What is the best way to find an insurance policy with a bad driving record?

There are 2 things I can recommend that should lead you to success: 1st - Quote with as many companies as possible. 2nd - Disclose everything on your driving record when quoting.
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