Every insurance company is different in the way in which it evaluates new policies. An auto insurance company can check your driving record at any time but the most common times to check it are when you first apply for insurance coverage, when you request a change to your current policy (such as adding a driver), when you want to add a vehicle (such as your new car) and when it is time for you to renew your policy.

It is likely though that your husband's license suspension will affect your rates. So you might see if there are ways in your state to have the suspension taken off of the driving record (by means of traffic school, etc) or shop around for insurance to make sure you are getting the best rates for your situation.