How to Achieve a Clean Driving Record

aftermath of a car being rear ended

What is a clean driving record?

One of the best ways to save on your auto insurance is by having a clean driving record.  But what exactly do insurance providers consider a clean driving record, and what can you do to have one?  Here’s what you need to know about cleaning up your driving record.

  • What is a Clean Driving Record?

A clean driving record is one that is free of any accidents, moving violations, or points.  However, the definition of a clean record will vary from insurer to insurer.  For instance, some insurers are stricter and will only consider a record clean if you do not have a claims history.  Other insurers are more lenient and will consider your record clean even if you have one or two minor violations on it.  Please keep in mind that 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 Clean Up Your Record?

As previously mentioned, violations and accidents remain on your record for several years.  If you want to clean up your record, then you need to avoid getting any new violations.  Over time, old issues will naturally disappear from your record, leaving you with a clean history of driving.  To keep your record clean, you may also want to take steps to remove insurance points.  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 to remove points from your record.  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 regarding your auto insurance?  If so, then contact the experts at Udell Family Insurance.  We are ready to assist you with all your coverage needs today.

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