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If you are in the process of obtaining quotes for auto insurance, chances are the company you are receiving the quote through will ask if you have prior insurance and how long you maintained this coverage. While you may think this is useless information, the insurance company you are obtaining a quote through is interested in this information because it shows them your likelihood to pay your policy. If you have maintained continuous coverage through another insurer, you are more likely to stay loyal to their company. Because of this, insurers will offer lower premiums to new applicants who have maintained consistent coverage. Some insurers will require proof, while others will take your word for it.

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Q: What good is prior auto insurance?
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