[majormike]

Quote:

Originally posted by kgelner


I've wondered about that. In the state of the US where I live (Colorado), we have a point system (not all states do). Furthermore, in some states it's legal to base insureance rates off of five years of tickets, and in others (like Colorado) insurance companies are only allowed to see the last three years of data (as I understand it).

Your points for state driving purposes and the length of time for insurance purposes are two different things. The points are to determine at what point the state will take away your license, force you to go to driving safety school, etc. The insurance company is interested in what kind of a risk you are.

Some states may regulate how far back insurance companies can delve into your driving record, but the two time periods are really unrelated.