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What Makes a Clean Driving Record?

What do insurers consider a clean driving record?

No one wants to pay more for their auto insurance than they have to.  One of the best ways to save on your policy is by having a clean driving record.  But what exactly do car insurance providers consider a clean record?  Here’s what you need to know.

  • What does a clean driving record look like?

A clean driving record is one that is free of accidents, moving violations, or insurance points.  Some insurers will have slightly different definitions.  For instance, some insurers might only consider your driving record clean if you have no claims history.  Other insurers might be willing to overlook small moving violations, particularly if you only have a one or two.

  • How far back does a driving record go?

Generally, driving records show every violation that you have received over the past seven to ten years.  Typically, smaller violations, such as speeding tickets, will disappear from your record after five to seven years.  More serious violations, such as a hit and run or DUI, often remain on your record for the full ten years.

Can I remove “points” from my record?

Points are added to your driving record by your state’s DMV as a penalty for committing traffic violations.  If you amass too many points in a given time period, then you risk having your license suspended.  When insurance providers look at your driving record, they will be able to see the points you have accumulated.  Fortunately, there are ways to remove these points from your record.  For instance, many states will allow you to enroll in a defensive driving course to remove points from your record.  Other states will remove points after you have paid a small fine.

This is what you need to know about having a clean driving record.  Do you have more questions about your auto insurance?  If so, then contact the experts at East End Insurance Agency.  We are ready to assist you with all your car coverage needs today.

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