When you ask for a new car insurance quote from your current or a new provider they always ask the question if you have been involved in an accident or have been pulled over recently etc, etc. My question is, do they already know this info and are they maybe testing me or do they really don’t know? I’ve had two moving violations within the past 5 years and I’m wondering how to answer these questions when I shop for insurance on a new vehicle.

if you have gotten a ticket or two or three, i would stay with the same company and not make too much noise. unless you get in an accident, the likelihood of the insruance company running your driving record is almost zero. they won’t know. if you try to go to another company – they will run your driving record – bank on it. and, the ticket(s) will show up and their quote will be higher as a result. Your current company does not know about it. Stay w them and don’t make any noise.