UNVERIFIED DRIVING RECORD, INEXPERIENCED OPERATOR OR NO US LICENSE
On occasion, your driving record may appear unverifiable, i.e., you do not have an MVR or a CLUE report. This may likely be because the insurance company misspelled your name or transposed numbers in your driver’s license. If this is the case, you should have it corrected or else your driver points will go up. Alternatively, your record may be unverifiable because you have not been driving very long.
This also can result in increased driver points. In fact, when a driver has a motor vehicle record that is less than 3 to 5 years old, he or she is considered an Inexperienced Operator and may likely have to pay a higher premium.
Having no previous US license will also result in an unverifiable record, resulting in an increase in driver points. What you need to check here is that only one of these factors is used to increase your rate if applicable. You do not want to be penalized more than once.
Other Factors
GENDER
Typically, if you are a male, you will pay more in premiums than a female. This is because female drivers, as a group, are involved in less accidents than male drivers.
AGE Members of certain age groups often find themselves paying higher premiums. Drivers under 25 generally pay some of the highest premiums. This is because they tend to have more accidents than drivers over 25. In addition, drivers between the ages of 50 to 65 may pay lower rates because they statistically have less accidents. After 65 insurance rates typically begin going up, consistent with accident rate data
