How do insurance companies get a copy of my driving record?

Have you been a bad boy?

Nope, actually I have not had a moving violation in years. My record is clean but it chaps my hide that if I get 2 moving violations my premiums would go up.

Oh and insurance companies are also basing my premiums on my credit history. Luckily this works in my favor but it is still BS.

I'm with you on insurance companies partially basing the premium on the credit history. I asked my premiumboy (thanks Ron White) about it and he said it was because the number punchers determined that bad credit equals bad insurance risk. The bond I need for work is the same way. Since I have access to the company's trust account, my credit history is important. Most construction bonding companies are the same way.

As far as I know, State Farm does not base insurance on someone's credit report. Maybe worth a call if it is bothering you.

I have Pemco and it was a better price then State Farm at the time.

The number punchers should be insuring the car. When you go to make a claim they state, "we insure the car not the driver" yet when you purchase the insurance many of the factors involved include the driver and not the car.

Insurance is the best scam ever invented bar none. It's even better then not hiring people with out a four year education. Oh and that comment isn't because I am disgruntled and didn't get hired I do have a four year degree.

I don’t mind paying my taxes but things like I just mentioned above are my pet peeves.

You with access to the company's trust account--now that's scary!!

"You with access to the company's trust account--now that's scary!! "

Well Bucket, the places I could not be extradited from don't have good beer so I'm staying put.
A man must have priorities.