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?"

Answer
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.
If you want to save money on car insurance right now, use Jerry. Jerry is a free app that can compare up to 50 rates with top insurance providers. The average Jerry user saves $879 a year on car insurance!
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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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