Not blowing smoke up anyone's ***. From my own personal experience every time I've switched insurance companies I've had to fill out lots of forms which I've had to sign and they have obtained an abstract directly from the DMV (I sign a form to give them permission to do this) from my drivers license going back 7 years. They also review your abstract every 2 years if you stay with the same company and put your rates up if you have more than two speeding tickets in a two year period. When I got my first bike I had not taken my test yet for my motorcycle endorsement and they would not insure me. Finally I got them to insure my bike with them telling me there would be no payout on an accident until I got this. I did this as I wanted it covered for theft for the two weeks I had to wait to get my license. Even the fine print on the forms say you must be legally licensed to drive for the policy to cover you on the road and any false statements on the forms will forfeit payout in a claim. Without a record of your driving how does your insurance company determine how much to charge you? Insurance rates are set by risk factor.