All insurance companies offering auto insurance require an MVR prior to binding. These reports are costly so most companies do not run these reports until you have agreed to move forward with the quote. If you fail to mention any activity on your driving record, it will show up before you are able to bind the insurance and the rate will increase or the coverage will be declined. Here are just a few items that change your rates:
For 3 years:
For 5-7 years:
You can obtain a 7-year complete or certified copy from the state of FL by clicking here.