Depending on your situation, checking your driving record may be just as important as checking your credit report. Your driving record shows the status of your license, tickets, DUIs, accidents, and any "points," and changes to your record can impact your car insurance rates.
While some car insurance companies will refuse to insure drivers with a certain violations on their driving record, you'll find that we're different at Direct Auto & Life Insurance. Keep reading because with us, you can get the coverage you need and the respect you deserve, regardless of your driving history.
What's on my driving record?
If you have a driver's license, you have a driving record. You may also hear driving records referred to as "motor vehicle reports" or MVRs.
Driving records include information about your:
- Driver's license status
- Driver's license expiration date
- Traffic accidents
- License classifications/endorsements
- Driving points
- DUI/DWI convictions
- Unpaid fees and citations
- Moving violation convictions and unpaid fines
- Defensive driving courses attended
How to order your DMV driving record
You can order your driving record from your state's DMV or a third party vendor. A third party provider might be able to provide it faster, but the DMV route is usually the cheapest.
Who looks at my driving record?
Driving records are often consulted during background checks, court proceedings, and by potential employers. And of course, by auto insurance companies!
Most of the time, your driving record can't be viewed without your permission. State privacy laws protect your information.
YOU should also consider keeping an eye on your driving record. Remember, you can order it through your state's DMV. Like any other public record, you want to make sure it's accurate! Identities can be mistaken, points can fail to fall off after a corrective class, and tickets can go accidently unpaid. Checking your driving record and correcting any mistakes could lead to lower car insurance rates—which begs the question: What's the relationship between driving records and car insurance?
Do driving records impact my car insurance rates?
Yes, your driving record can impact your car insurance rates. Since auto insurance companies can't predict the future, they have to look to the past for clues as to what the future might hold.
A spotless driving record tells an insurance company that you could be less risky to insure. If you haven't had any trouble on the road in the last few years, the chances are good that you won't have any in the next few.
A driving record that shows multiple car accidents, a suspended driver's license, and a long list of speeding tickets tells an insurance company that you might be likely to file a claim and risky to insure. A risky record can mean higher car insurance rates.
Keep in mind that some auto insurance companies will cancel a customer's insurance for major traffic violations like DUIs, violations that result in license suspension, or for making too many claims within a certain period of time.
At Direct Auto & Life Insurance, we do things a little differently than most auto insurance companies. Choose us and you can get the coverage you need, the services you want, and the respect you deserve, regardless of your driving history.