Do you have a point on your driving record? Have you been fighting to keep your record clean since you got your license? There are many things you can do to keep your driving record free of points. Most states offer some kind of traffic school program which you can only take every so often to rid your record of an infraction or traffic violation. Each state has a different time allowance between every traffic school opportunity. In California, you must wait a minimum of 18 months between each traffic school completion to delete those points off your driving record.
Traffic accidents, misdemeanors and other circumstances also tack unwanted points onto your record as well. Not only is your DMV record affected by these points, but your car insurance company also raises your monthly premiums for every point you acquire. Needless to say, nobody desires a bad driving record. In fact, some insurance companies reward good drivers with an insurance discount called Accident Forgiveness. When this discount comes into play, drivers who have not been in a traffic accident in over 5 years are allowed a little slack.
This means that if you’ve been insured with a specific insurance company for 5 years without a lapse in coverage and without involvement in any traffic accidents and you happen to get into one after this 5 year period, your insurance rates will not be affected by this crash. Not every auto insurance company will offer this discount so make sure your insurance provider is a supporter of this specific discount if you’re shopping for a new plan.
You can use a list of discounts to help your search for a new car insurance company. Having a list of pre-qualified discounts for yourself is a very useful tool in saving cash on your monthly premiums if you’re in the market for a new plan.
