Your driving record reveals both positive and negative data about your driving history. This includes infractions, such as speeding tickets, and more serious offences, such as vehicular homicide. Typically, if your driving history is free of demerits you might qualify for lower auto insurance rates while negative data can increase your premiums. A comprehensive report can give you detailed information on your driving history. Depending on the source, a fee might apply.
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Visit your local Department of Motor Vehicle (DMV) agency. Fees vary by state, but all states have DMV locations that provide driver license services, which include providing driving history reports.
Use an online driving record check service. These services might be government owned or private. For example, the government-owned Florida Department of Highway Safety and Motor Vehicles and the private-owned Unofficial DMV Guide allows you to check your driving history online.
Get a free CLUE (Comprehensive Loss Underwriting Exchange) report. The CLUE personal property report gives you a seven-year history of losses associated with auto claims and your personal property. The report might not include traffic citations, only incidents relating to insurance claims.
Ask your auto insurance company or agent for a copy of your driving history. The insurance company checks your driving history to determine your rates. The company probably paid a fee to check your record. Consequently, some insurance companies might be unwilling to give you this information for free but others might.
Tips and warnings
- Check your driving history carefully to ensure it is accurate.
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