What Do Insurers Consider a Clean Driving Record?

What you need to know about having a clean driving record.

One of the best ways to save money on your auto insurance is by having a clean driving record.  While this sounds straightforward enough, many drivers wonder what qualifies as a clean record.  Here’s what you need to know about maintaining a clean driving record.

According to insurance companies, a clean driving record is generally one that is free of accidents, moving violations, and insurance points.  With this in mind, some insurance companies will have variations on this definition.  For instance, some insurers will consider a driving record clean if there aren’t any claims on it.  Many insurers will also overlook minor moving violations, especially if it is your first time receiving one.

When applying for auto insurance, it is important that you disclose any accidents or moving violations that you have been involved in or received.  While you might want to access lower insurance rates, lying about your driving record is always a bad idea.  The insurer is almost guaranteed to uncover your lies, making you responsible for insurance fraud.  This will result in your application being denied or your policy canceled.  As a result, other insurers will consider you a liability, making it very difficult for you to secure coverage at an affordable rate in the future.  In most cases, lying about your driving record will end up costing you more than if you have just been honest.

If you do have violations on your driving record, then the best thing that you can do is focus on being a safe and responsible driver from here on out.  Accidents and violations only remain on your record for a handful of years (anywhere from 5 to 10 years).  This means that, if you avoid issues for several years, you will eventually have a clean record.

This is what you need to know about having a clean driving record.  Do you have more questions regarding your auto insurance?  If so, then contact the experts at Staybull Insurance.  We are ready to assist you with all your car coverage needs today.