Let’s face it, driving is a necessity to move around most places. It doesn’t matter how prudent you are. Sooner or later you may commit a traffic violation that can damage your driving record.
Having a bad driving record can make it difficult and expensive to get car insurance. Remember insurance carriers extend coverage based on their risk assessments. However, you can minimize these consequences by learning what is a good driving record and how to improve yours.
Don’t know where to start? We’ve got you covered. We’ll tell you everything you need to know about good driving records and how to clean yours today.
What Is a Good Driving Record?
The term good driving record refers to a driver who doesn’t have any traffic violations, point deductions, or accidents. This definition may vary on an insurance carrier basis since some companies deem it clean when drivers only have 1 or 2 minor traffic violations on their records.
Many drivers with bad records have trouble securing insurance coverage. It may be easier to search where to get cheap SR22 insurance instead of cleaning your driving record. Yet, you should always try your best to improve your record to lower your insurance costs.
Don’t know how? Here are a few best practices to have a good driving record.
1. Take a Defensive Driving Course
Speeding traffic tickets can put a dent on your driving record points. If it’s your first offense, you may be able to remove your offense by taking a state-approved defensive driving course.
Even if you’re a recurring offender, you may be able to lower your point deductions by taking this course. Depending on your state, you may be able to use this option once a year.
After taking it, you’ll receive a certificate to submit to your local court. You may also submit it to your insurance carrier to lower the cost of your policy.
2. Solve and Pay Any “Fix-It” Violations
Sometimes officers may give you a fix-it ticket for issues such as broken taillights or not having your driver’s license. Drivers often leave it until later to solve and pay these violations. Yet, staying on top and solving these issues promptly may keep them off your driving record.
3. Contest Your Traffic Ticket
When a police officer gives you a ticket, you may go to court to contest your violation. Even if your driving record is less than pretty and you’re guilty of the violation, judges may consider certain factors and lower or dismiss your penalty. Stringent situations such as rushing to the hospital to obtain treatment or problems with your car are examples of leniency factors.
4. Request an Expungement of Your Violations
You may think the only way to remove point deductions from your record is waiting until these violations expire. Believe it or not, you can request an expungement of your point deductions to get these removed from your record.
The requirements for expungement eligibility will vary on a state basis. Depending on your location and type of violation, you may submit this request during a certain timeframe after you receive the ticket.
Now You Know Everything About Having a Clean Driving Record, So What?
Learning what is a good driving record and how to clean yours is the easiest way to lower your car insurance costs. Depending on your industry, your employers may also request a copy of your driving records. Cleaning and maintaining it will ensure you obtain the best coverage at the right price.
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