The Importance of Having a Clean Driving Record
A clean driving record can keep your insurance rates low, enhance your job prospects, avoid substantial financial consequences, and even improve your overall health.
What’s Revealed in Your Driving History
Your driving history includes information about your driver’s license; information on traffic tickets and speeding tickets; and penalties like points, fines, suspensions and revocations. It may also provide information regarding irresponsible behavior, including any history of substance abuse, repeated traffic violations, failures to appear, and unpaid fines.
Lower Vehicle Insurance Rates
Insurance companies have long used an applicant’s driving history as a predictor of future behavior and an important factor in determining a driver’s insurance rates. Drivers with clean driving records will see their insurance rates and premiums benefit significantly. Low-risk driver’s insurance rates are much lower, and they may even receive discounts on their policy for being accident-free.
Improve Your Job Prospects
Having a clean driving record may seem like a key criteria for driving jobs, including truck drivers and package drivers, but it can also have an impact on jobs not requiring driving. A driving record lists all types of vehicle related offenses, including any alcohol or drug-related infractions and accidents. Many employers view a person’s driving record as another indicator of how responsible a job applicant may be.
Avoid Big Financial Hits
Careful drivers with clean driving records are normally not involved in many accidents. A clean driving history also means that you have not been cited for any traffic violations. Paying for vehicle repairs due to an accident, or incurring fees for moving vehicle violations, can be substantial and never come at a good time. Continuous good driving can save you a lot of money in the long run.
Better Overall Health
Cautious drivers, who avoid accidents, also avoid being injured. Many injuries sustained in auto accidents can lead to long term health problems that limit a person’s lifestyle. Drivers with clean driving records are usually free from any unnecessary stress that reckless drivers have to deal with because of accidents or traffic citations. Good drivers make choices every time they are on the road, many of which have a long term impact on their health.
Want to Discuss Your Auto Insurance Options?
The Mitchell Agency would be happy to review your commercial or personal automobile insurance coverage. We’ll discuss your options and help you take full advantage of your good driving record. Just give us a call at 765-742-1135.