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We recently were able to switch auto insurance carriers to a "good" carrier because our driving records had improved.

I had some mishaps in 2001 and earlier that eventually got me into a second-tier carrier (that served me just fine, by the way). My wife had a couple of very, very minor accidents that were nonetheless her fault and kept points on her record for 5-6 years after that.

Just wondering: Is have no points on your insurance policy enough to qualify for a good policy, after one has been in a less good policy? (Points being the "naughties" that stick around for three years or so and raise your premiums.) Or does one have to wait a while after the points come off before a better auto insurance company will take me in?

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Y'know, we got downgraded to a second tier version held by Mercury because of my dad's recently poor driving record. (I don't know everything that happened but I gather there were tickets galore and a warning letter from the DMV about the importance of safe driving.)

I only stuck with them for say, a few months or a 6-month term? And then I shopped around again and got a decent (I believe it's first tier, no reason to believe otherwise) policy, reasonably priced, for the two of us with Geico. Either Geico had more relaxed policies than Mercury or the points were not given as much weight as I thought they were.

I think it's worth a quotes-round up to see what it turns up. It takes some time but you may be pleasantly surprised.

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