Your driving record can have a big impact on your life. Violations on your driving record usually lead to higher insurance rates, particularly if you have multiple violations. Some states will take away your license for certain traffic violations or multiple violations. There are several things you can do to keep your driving record clean and your insurance premiums low.
Obtain a copy of your driving record and check for errors. You can obtain a copy of your driving record by contacting your local DMV in person and online in some states. Most states charge a small fee and you will need to provide your full name, drivers' license number, social security number and birth date. It is possible that your driving record contains errors, particularly if you have a common name or if you were involved in an accident that was not your fault. If you do find something you believe to be inconsistent, contact your local DMV. It is best to politely explain the situation to them and ask what can be done.
Attend traffic school. Each state does things differently, so check with your state to see if they will reduce points from your driving record if you go to traffic school. Make sure the state will honor the traffic-school program you attend before paying the fees and going to class. Some states even offer their own traffic-school program to keep you from receiving a violation on your driving record. Always take this option when available to keep your insurance costs down.
Stop getting traffic violations. Learn about and obey traffic laws. Minor traffic violations like speeding are taken off your driving record after about three to five years, depending on the state. Major violations, such as hit and runs, can stay on your record for around seven years, and DUI's will stay on your record for as long as 10 years. Many states regulate how far back insurance companies can look. Find out the laws in your state and make sure your insurance premiums reflect them.
Contest tickets if you think you have a good, honest explanation for why you were violating a traffic law -- or if you believe you weren't. It may be wise to obtain the services of an attorney when contesting traffic violations.