Do car insurance rates go down in the time you have you license even if you don't have car insurance? I am going to be a new driver and I am wondering if I just drive my girlfriends car without getting my own insurance if when I drive and get insurance for myself in a couple of years if my rates will be lower. Thank you all for any help. Do auto insurance companies have to look at your driving record? I have never had a vilolation. My husband has. He had one in 2006 for running a red light and one in 2008 for driving too fast for conditions. Well naturally this has given me higher payments. I was with Liberty Mutual and for liability only (my car isn't worth full coverage) I was paying $124 a month. My husbands pay was cut drastically at work so I was shopping around for cheaper insurance. I called Geico and they offered me liability for $55 a month. She came on and asked if I knew he had two tickets and at the time I didn't because I didn't know my husband in 2006. The lady told me my payments were going to be $144 with them and when I told her no she put me on hold. When she returned she offered me the $55. She read back to me everything I am getting which is a lot more than what I was getting from Liberty Mutual for a lot less price. Is it possible they just dissmissed the report to gain us as customers? I was cooking dinner at the time and my kids started playing loud so all I really heard was cha ching lol. "Motorcycle with no License, Insurance, or Registration. ?" I have a coworker that rides his bike without insurance, a license, and a suspended registration. He's under the impression that, at worst, he'll only be fined. What are the possible consequences if he is stopped by a police officer in the State of California or Oregon?" Is it true that in MA your first ever ticket doesn't count against your auto insurance? Is it like the first ticket is a wash/freebie? or does it raise your insurance points and rates regardless? Need affordable dog insurance? Hi I am a college student and getting a puppy soon, i need an affordable , and good dog insurance, please if you have one...give me the details and which insurance you have, i would really appreciate it. Thanks!" Anyone own more than one car and buy comprehensive insurance for all? does anyone own more than one car and buy them all comprehensive insurance by yourself? I found it's so expensive and considering to buy third party insurance only. anyone advise pls How will the affordable health care act help me? i dont want to buy health insurance. i havent been to a?