• How to Clear Your Driving Record to Save on Car Insurance

    • Save Money / By DealTaker / No Comments / 42 Viewers

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    I feel it is safe to say that close to everyone across the world is reevaluating how they spend their money and how they spend time with loved ones thanks to the Coronavirus Pandemic and subsequent global lockdowns. Across the world, there has been a decline in job availability, and people are tragically dying after contracting the deadly virus. 

    Those who comprehend the severity of the health impacts of this pandemic are looking for ways to save an extra buck from working at home during this time so they can avoid going out in public to work, risking getting themselves and others sick. 

    Other people were not as fortunate and have lost their jobs because of the economic repercussions of this pandemic. These people are looking to save money so they can continue paying rent and recurring bills. 

    Luckily, one of the ways a person can save money is by simply driving better.

    Regardless of why you are trying to save money or when you are trying to save money, cleaning up your driving record is one of the best ways to save money because it allows you to cut the cost of your monthly insurance premium. 

    Along with your driving record, the number of claims you file after an accident with your insurance company factor into determining the cost of your car insurance. Many never contemplate or ask how long are claims on insurance history because most people do not realize they can save money by improving their driving skills and their driving record.

    How long do violations affect your car insurance premium rates?

    The short answer to this question is that the time period varies by both the state and the insurer. Insurance companies are usually most worried about accidents and moving violations that have happened within the past two to five years. 

    For more serious violations, like DUIs, you could be waiting a long time for it to not affect your insurance rate. The length merely varies by state. For example, in Florida, violations that are alcohol-related can stay with you for life (or 75 years) while in California, DUIs stay on your record for just 10 years.

    Luckily, there may be certain traffic tickets that you can get cleared from your record, so you do not have to wait the years out. This is especially good for people who need to save money immediately due to COVID-19 unemployment or if they’re planning a post-COVID vacation.

    How do you clear your driving record?

    Though you cannot clear everything off your record, there are certain violations that can be removed from your driving record. Instead of waiting for years to pass so the violations on your driving record can clear automatically, you can take these steps to clean up your record now.

    Step #1 – Dispute Contestable Tickets

    Even if you are guilty of a violation, you still have a little wiggle room with getting the violation expunged. You can achieve this if you successfully sway the judge to be a bit more lenient on you. This may be difficult to do, but it is not impossible.  

    According to The National Motorists Association, only one out of 20 drivers can legitimately contest a ticket. Many assume fighting a ticket is useless, but it can be worth the time in the long-run. Disputing a traffic ticket is one of the hidden ways to save on car insurance rates.

    The way you can win leniency from a judge is by explaining any mitigating factors like rushing to a hospital or a dire family emergency. Arguing that a speedometer is poorly calibrated is a fair defense as well. 

    At first, you may think bowing out in court is best but with more research and an accurate belief that you were wrongly ticketed, you may realize that you can fight the ticket and actually win. 

    Step #2 – Fix Your Car Up and Take a Driver Safety Course

    If you have received a “fix-it” ticket, you can avoid this ticket showing on your record or even have the ticket removed from your record. A “fix-it” ticket is a ticket given to a driver that has a broken taillight or given for something like a misplaced driver’s license. 

    If you fix or address the problem right away, you can avoid the ticket going on your driving record. 

    Additionally, you can diminish the number of penalty points on your record after some violations by taking a driver safety course. You may even be able to remove older tickets by taking a state-approved defensive driver course.

    Unfortunately, taking a driver safety course can only help with traffic violations that are minor. These are violations like speeding (excluding super-speeding) and failing to yield.

    Step #3 – Request an Expungement on Tickets

    Some states allow their citizens to request that a violation be expunged from their driving record. This makes it possible for you to avoid waiting for the penalty point to expire on its own. 

    This is especially true for states like Maryland. Their citizens are able to expunge certain violations from their driving record after three years have passed. 

    Some Violations do not Affect Insurance Rates

    A good way to save money on car insurance rates is to create a monthly budget plan for the next month at the end of every month. Make sure you avoid doing things like not driving safely that will raise your monthly premiums. 

    Keeping your driving record clean is the first step to keeping your insurance premiums low.

    There are even certain violations that do not affect insurance rates. Parking violations and other minor citations like that do not alter your car insurance unless you fail to pay the citation fee. A good number of insurance companies may even turn a blind eye to individuals who have gotten a citation for the first time. 

    Nevertheless, whichever route you go to clean up your driving record, every stride is a step closer to lower insurance rates.

    Imani Francies writes and researches for the car insurance comparison site, CarInsuranceComparison.com. She earned a Bachelor of Arts in Film and Media and specializes in various forms of media marketing.

    How To Clear Your Driving Record

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