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.