First of all, if your fiancé's name is on the title with your name, he should be able to take out a policy for the vehicle. Depending on whether you will be driving the vehicle or not, some insurance companies will allow you to be excluded from the policy. (Remember, if you are specifically excluded from driving, you will NOT be covered if you drive the vehicle.) As for your driving record, some insurance companies only look for violations over the last three years. Some insurance companies look at the last five years, and some companies look at the last seven years. Also, insurance companies tend to reward people for prior insurance opposed to punishing people for lack of prior insurance.

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