Becoming eligible for the lowest car insurance premium rates is a dream for every car owner. However, this is easier said than done! Maintaining a clean driving record is one of the main conditions for low insurance rates. Anything from a minor car accident to a parking ticket could ruin everything you’ve built up in a few minutes.
So how exactly can you avoid getting into such situations and ensure that the clean status stays on your record? Here are some simple hacks to help you maintain a clean driving record, but first, let’s cover the basics.
What is a driving record?
A driving record is an official document with all the details of your driving history and personal information. Your driving record is issued by your state’s Department of Motor Vehicles (DMV). It is also known as a Motor Vehicle Record (MVR).
It should be noted that insurance companies consider DUI and DWI as the worst driving habits that could skyrocket your insurance premium multiple times. The MVR also features precise data on how many traffic school lessons or defensive driving courses you‘ve done and the current status of driving license points, suspensions, and revocations.
Some insurance companies strictly consider MVR violations (minor and major) as a criterion for insurance premiums, there are others who turn a blind eye towards minor infringements.
That said, it is always better to maintain a clean MVR if you are looking for low insurance rates. Unsure about the top car insurance companies in the US? You can always refer to Way.com which offers premium insurance services from all the leading vendors at affordable rates.
What is a clean driving record?
If you don’t have any tickets, at-fault accidents, or traffic-related convictions then you have a clean driving record. It’s the ideal circumstance for any driver. But a violation doesn’t rule out the possibility of a future spotless driving record.
Insurance companies will view you are a lower-risk driver to insure. As a matter of fact, having a clean driving record might lower your auto insurance quote.
Different Types of Violations That Affect Your Driving Record
- Serious Violations – Driving under the influence, driving while intoxicated, reckless driving, and overspeeding are some of the more serious violations that can negatively impact your MVR. Avoid these at all costs if you want to maintain a clean MVR!
- Document Related Violations – If you are caught driving without valid car insurance coverage and license, you can be legally punished. This will also put negative points on your MVR.
- Driving Related Violations – Distracted driving practices like texting while driving or calling while driving with a handheld device could land you in trouble if caught by the authorities. This and at-fault accident cases can cause MVR ratings to drop pretty fast.
- Mechanical Violations – Driving a car in public with broken or dysfunctional brake/tail lights, turn indicators, mirrors, or headlamps are considered as bad driving practices and stacks negatively to your Motor Vehicle Record (MVR)
- Minor Violations – While some insurance companies don’t appreciate minor violations, you can escape penalties on your driving record with other insurance companies. However, it’s always best to stay away from minor violations and be on the safe side.
How to clean your driving record?
You always have options to come back from a bad driving record to a clean one in time. Most states consider three years as the maximum for tracking violations on your report. Serious violations like DUI and DWI tend to stay longer as a negative in your MVR. It’s never too late to start fresh and change your driving habits for good.
Follow the rules, regulations, and speed limits. Traffic signals are there for a reason, and your civic duty is to comply. So, leave early instead of speeding and cutting red lights. Reckless driving only does more harm than good to yourself and your car. Always fix mechanical and cosmetic issues like broken lights, and turn indicators at the soonest. Never drive under the influence.
Remember that 50% of your safety is in your hands, and the remaining 50% is on the drivers around! Do not reduce the percentage further by driving carelessly or under the influence. It should also be noted that MVR is closely monitored by companies or employers that offer driving or automobile jobs. Having a bad MVR could be bad for your professional career for some jobs!
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