Should I switch insurer to reduce auto insurance premium?

Question: I have clean records for 3 years without citations or publicly recorded accidents. However I had 2 minor accidents that dented 2 other cars in the past 2 years. The insurance premium is getting high because of these 2 minor accidents. Will my premium go down if I switch to another insurer since the new insurer will not know about the 2 minor accidents. Does insurance companies exchange claim or minor accident history when I switch from one insurance company to another?

Answer:
They do its called a CLUE report and tells other Insurance companies your past driving record, do not let this keep you from trying to find cheaper insurance but just make sure you do not cancel your current policy until you have been approved by the insurance company that gave you the cheaper rate.

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and another thing, lying on your next insurance application is stupid and criminal.

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I agree what other 2 ppl said, look around, read all small print before you sign anything! Also remmember there could be costs involved switching or changing. Be honest at all times, tell everything. Things not told could be held against you later!

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In my state they will go off your record in 3 years. Hang in there til then. Switching companies doesn't always save you money in the long run. All the new company has to do is run an MVR (motor vehicle report) on you and everything comes up if it is in the BMV's records.

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