What steps should I take to get a "letter of experience" from my previous insurer to get better rates in California?

To get a letter of experience, you must formally request your claims history from your previous insurer, who is legally required to provide it. This document helps your new insurer verify your driving experience and claims record, which can lead to better rates. Here are the steps to get your letter of experience: Step 1: Gather Your Policy Information Before contacting your previous insurer, collect your old auto insurance policy number, the full names of all drivers on the policy, and the exact start and end dates of your coverage. Having this information ready will speed up the process. Step 2: Contact Your Previous Insurer Call the main customer service number for your former insurance company. State clearly that you are requesting your "claims history information" for your prior policy period. While it's commonly called a "letter of experience," using the official term can be more effective. Step 3: Send a Written Request If the insurer does not process your verbal request, you must send a formal request in writing. Under California Code of Regulations, Title 10, Section 2632.13(c), an insurer must provide this information within 15 business days of receiving your written request. Send the letter via certified mail to have proof of delivery. Include your name, address, policy number, and coverage dates. Step 4: Review the Letter for Accuracy When you receive the document, check it carefully. It should confirm your policy dates, list all covered drivers, and detail any claims filed. For each claim, it should show the date of the incident and the amount paid. If you find any errors, contact the insurer immediately to have them corrected. Step 5: Submit the Letter to Your New Insurer Provide the accurate letter of experience to your new or prospective insurance company. This helps them verify your driving history, which is a primary rating factor in California, and confirm your eligibility for a Good Driver Discount. Important Considerations: California law requires insurers to base your rates primarily on your driving record, years of driving experience, and annual miles driven. This letter is the official proof of your experience and claims record, which directly impacts your premium. Warnings and Limitations: If your former insurer fails to provide the report within 15 business days of your written request, you can file a complaint with the California Department of Insurance. The letter will list all claims, including non-fault accidents, so be prepared to explain the circumstances to your new insurer. This is general information and does not constitute legal advice. For complex situations or disputes with an insurance company, you should consult with a qualified California attorney.