What constitutes a clean driving record?
If you are trying to secure auto insurance, then having a clean driving record is one way to save money on your policy. But what do insurance providers consider a clean driving record, and how can you achieve one? Here’s what you need to know.
- Definition of a Clean Driving Record
Generally, insurers consider a clean driving record one that is free of any accidents, moving violations, or points. However, it’s important to know that some insurers will have different definitions. For instance, some insurers might only consider a driving record clean if there is no claims history. Other insurers might be willing to overlook small moving violations, particularly if you only have a one or two.
- How Long Do Violations Stay on Your Record?
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 You Remove Points from Your 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 revoked. 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 in exchange for the removal of points. Other states will remove points after you pay a fine.
This is what you need to know about clean driving records. Do you have additional questions about your auto insurance? If so, then contact the experts at Pierce Insurance Group. We are ready to assist you with all your car coverage needs today.