What does your driving record contain?

"I know that car insurance companies look at driving records, but what's on them? What does it mean if someone has a clean record?"

A driving record or Motor Vehicle Report includes:
  • Tickets
  • Accidents
  • Driving-related incidents that you’ve been involved in
  • License suspensions
  • Points or demerits on your license
A clean driving record means that you have no violations, accidents, or tickets on your record. If you have a clean record, an insurance company is going to assume you’re a lower risk than someone who has two speeding tickets on their record. You’ll typically get a lower car insurance rate with a clean driving record.
Accidents, tickets, and violations typically stay on your record for three to five years. If you’re worried about insurance rates because you don’t have a squeaky clean driving record, don’t stress! Your rates will start to decrease as your violations age.
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Emily Maracle
Answered on Aug 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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