How To Keep a Clean Record

Driving Record

Driving Record
Did you know that a drunk driving conviction on your driving record can raise auto insurance premiums from a couple of hundred dollars to thousands. Such a violation will also stay on your record for a long time.

Does it matter?

Well, keeping a clean record is in your best interest. In fact, it is one of the best ways to lower your auto insurance premiums.

You can get a copy of your record by contacting your state Department of Motor Vehicles (DMV) or Department of Public Safety (DPS). Check your record to see if accidents and traffic violations have been correctly reported. Records usually cover a period of three to seven years. The period, however, varies by state.

If you have accidents and violations on your record, ask about options for having them removed. (Yes, you can do this!)

Asking for a removal of a violation before the expiration period is called an expungement request. Some states may give you the option to take a defensive driving course or other driver safety courses to eliminate points or entries on your record.

A single speeding ticket usually does not affect your car insurance, but together with other violations, it might. So try to have your record as clean as possible. In most states, attending a driving course will remove the points for a speeding violation.

Talk with your insurance company and your DMV office today. It might prove to be a money saver.

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