Car insurance providers offer car insurance quotes at the stroke of a few keys or the answer of a few questions. A lot of people don't realize that a lot of these questions that are asked during the process of getting a car insurance quote are things that will be revealed in a driver abstract. A driver abstract will generally be ordered by car insurance providers on every covered driver to confirm information obtained upon acceptance of a car insurance quote. Car insurance providers also sometimes periodically order a new driver abstract with a current client to maintain information or watch for changes in patterns.
A driver abstract is essentially the complete driving history as recorded by the state's licensing agency. It will have a continuing background of all points on a driver's license, any tickets a driver has had, points that were removed, traffic stops, or any agency approved driving courses taken. By getting a driver abstract, car insurance providers use this information to determine the risk factor they have when insuring a particular driver.
A driver abstract will be used to assist in the confirmation of information obtained from potential clients. Car insurance providers generally ask potential clients how many accidents or tickets they have had in a certain current period. The number of these types of incidences will determine the risk factor the insurance company has in providing coverage to a certain party. Obviously, the higher the number of incidences will represent a higher risk to the company. Car insurance quotes will reflect higher risks with car insurance quotes that are more expensive than lower risk clients.
A driver abstract will also be used to help determine if there are changes that need to be given to a current client seeking a lowered car insurance quote. This could mean that a current client has changed his driving patterns to a more conservative approach and this can be proven through a driver abstract. Car insurance providers recognize that driving patterns can change over time, and often give credit through a driver abstract that reveals no new infractions or the taking of accredited driving courses. A driver abstract can be a way to obtain more favorable car insurance quotes.
Car insurance quotes are usually obtained contingent upon information being confirmed through a driver abstract. Realize that a driver abstract can be a benefit in proving good driving habits, or a revealing tool to show a driver's shortcomings. A driver abstract is an important tool to car insurance providers, but not the only source when giving car insurance quotes. Car insurance providers have other tools to assist them when determining risk factors.