Each insurance company is different on how far back they look on your driving record and how they assess insurance points for violations and for how long the insurance points stay.

Some insurance companies will review the last three years of your driving record, some go back five years and some go back as far as seven years. It depends not only on a car insurance company's own guidelines how far they will look back and rate on but how long the state insurance laws allow an insurer to look back and rate on violation convictions on your motor vehicle record (MVR).

In addition, some insurance companies also look at your claims history and credit history when offering a rate for insurance. When you shop for a new insurance policy the insurance company will let you know how far back they will go.

You can get a car instant insurance online quote here and even buy your policy online.