UPDATED: Mar 13, 2020
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One of the best ways to get cheap car insurance is to have a clean driving record. But what exactly is a clean driving record? If you got a speeding ticket three years ago, then do you still have a clean driving record? What are employers looking for when they ask for a clean driving record? Today, we’re going to answer all your questions about having a clean driving record.
Employers and Insurance Companies Have Different Definitions of a Clean Driving Record
Generally, this is how most insurance companies and employers define a clean driving record:
A clean driving record is one that is free of any accidents, moving violations, or points.
However, some insurance companies and employers have different definitions of this rule. An insurance company might only argue that you have a clean driving record if you have no claims, for example.
Employers, on the other hand, may be more willing to overlook minor violations. A single speeding ticket three years ago where you were driving a few miles over the speed limit may not be a problem for some employers, although it could be a problem for others.
There are also insurance companies that overlook minor moving violations. Some insurance companies claim you have a clean driving record if you only have one or two moving violations, for example, particularly for minor violations.
Don’t Lie About a Clean Driving Record
If you’re reading this article, we assume that you have some minor moving violation on your driving record that may prevent you from having a clean record.
In that case, we recommend not lying on your insurance or employment application form.
A single, minor moving violation may not disqualify you from cheap insurance or a better job. But lying about that moving violation almost certainly will. Insurance companies and employers have the ability to pull court records to get details of your case. Insurance companies have access to your last seven years of driving history via your CLUE report.
Will a Speeding Ticket Prevent Me From Having a Clean Driving Record?
All insurance companies and employers have different policies when determining a clean driving record. Generally, however, a single speeding ticket will not prevent you from having a clean driving record with most employers or insurance company – assuming it’s not a criminal excessive speeding ticket.
When employers and insurance companies want a clean driving record, they generally want someone with no serious past offenses. If you have a history of driving recklessly, for example, endangering other people, or making expensive insurance claims, then your employer or insurance company will have a problem. If you have a single speeding ticket, red light violation, or other relatively minor offense, then it’s unlikely to violate your clean driving history.
However, all insurance companies and employers are different. Some employers or insurance companies do claim that a single speeding ticket violates your clean driving record.
Your Driving Record Shows Every Violation Going Back 7 to 10 Years
In most cases, your employer or insurance company will be able to pull a driving record that goes back 7 to 10 years. This driving record will list every minor or major violation over that time period. Whether it’s a speeding ticket or an incident where you drove without insurance, it will appear on your report.
Insurance companies can pull your CLUE report, for example, and employers might access your driver’s record with the local DMV. Depending on your state, these reports can go back 7 to 10 years, including every major or minor violation along the way.
How to Remove Points from Your License
Having points on your license may disqualify you from having a clean driving record. Fortunately, you may be able to remove points by contacting your local DMV.
Some DMVs require you to pay a fine to remove points from your license. Others require you to sign up for a defensive driving course.
If you need a clean driving record for a job, then you may need to contact your DMV to remove points from your record – although the incident that caused the points may still remain on your record.
Having a clean driving record depends entirely on your employer or your insurance carrier. Different employers and insurance carriers have different rules when it comes to maintaining a clean driving record.
Some employers require you to have no moving violations, no accidents, and no points to be considered a clean driver. Other employers simply require no accidents in the past five or seven years.
Insurance companies, meanwhile, may be more or less picky. Some insurance companies will consider your driving record as clean if you have no accidents and no points, for example. Others require you to have no points, no moving violations, no accidents, and no claims.
Ultimately, talk to your insurance company or employer to determine if you have a clean driving record. There’s no single answer to the question, “what is considered a clean driving record?”