An insurance company can check your record anytime. The most common times are:
- when you initially apply for coverage
- when you request a change to your policy (add/remove drivers, change coverage, etc.)
- when you add a vehicle to your policy or change the covered vehicle
- when your policy comes up for renewal
- every 2 renewal cycles
Some insurance companies use a random method for checking records. Whereas, they randomly spot check some policy records at the above intervals. This isn't common, but it may occur with some carriers.