Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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It is legal. The agent’s premium is not final. The agent is often providing a “Quote” based on plugging the information that the consumer provides into a quoting system without verifying “accident & violation” information, credit score, and “claims” data. It’s the insurance company’s underwriters who make the final determination of the rate after evaluating all available information including: DMV, Claims and Credit Score to finalize the insurance premium.

It turns out that consumers have a tendency to down play the number of accidents and violations they have had and aren’t good at remembering dates. Since, the companies use this information to calculate insurance premiums, there is often an increase in the actual rate based on the “actual” information.

If you believe the increase is not justified, you can simply refuse the final rate and continue to shop other companies. By the way, consumers tend to find the best savings by comparing a minimum of 5 insurance companies before making a commitment.