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What Insurers Mean When They Talk About “Clean Driving Records”?

How insurance providers define clean driving records.

When you apply for auto insurance in Lancaster, California, your insurer will examine your driving record to determine your risk.  If your record is clean, then you may have access to lower rates.  But what exactly is a “clean driving record”?  Here’s what you need to know.

  • How are clean driving records defined?

Generally, insurers consider a clean driving record one that is free of any accidents, moving violations, or points.  However, it’s important to know that different insurers will have different definitions.  For instance, some insurers might only consider a record clean if there is no claims history.  Other insurers might be willing to overlook small moving violations, particularly if you only have a one or two.

  • How far back does a driving record go?

Driving records show every violation that you have received over the past seven to ten years.  Typically, smaller violations, such as speeding tickets, will disappear from your record after five to seven years.  More serious violations, such as a hit and run or DUI, often remain on your record for the full ten years.

  • Do I need to report all minor incidents?

While you might be tempted to omit some of the more minor traffic violations you have received, this is not advised.  Minor traffic violations may not disqualify you from accessing cheap auto insurance, but lying to your insurer definitely will.  The chances are, your insurer will uncover the truth and either deny you coverage as a result of your fraud or end up charging you much more for the coverage.  Either way, it’s never worth it to lie.

This is what you need to know about keeping a clean driving record.  Do you have additional questions regarding your auto insurance in Lancaster, California?  If so, then contact the experts at John E. Peakes Insurance Agency.  We are ready to assist you with all your car coverage needs today.

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