Insurance companies. Not all are the same. Some will offer you a rate and not run your driving your report until a later date. Then they will up your rate and back bill you. We don’t do that here. We run your record at the time we issue your policy so you will know what you are getting. Also, another way to get an accurate rate is to know your driving and claims record history ahead of time. This will assist you especially if you are looking into buying a new car and are wanting to know how much the insurance will be.