When you receive auto insurance estimates, you are typically asked if you have had any accidents or moving offenses in the last five years.
But what if you can’t recall the date of a fender bender or completely forget a traffic ticket?
Your driving record, also known as your motor vehicle record, will remind you of all your indiscretions and assist you in finding appropriate pricing when comparing auto insurance rates.
How to get a copy of your driving record
You can obtain your driving record from the Department of Motor Vehicles or its equivalent in your state. The DMV may require proof of a valid license and impose a modest fee. It often costs less than $10, but this varies by state and type of MVR ordered.
The amount of time it takes to earn your MVR varies. Some states allow you to view your report immediately online, while others require you to visit the DMV or mail in a form.
Be aware of trusting third-party sellers who provide “instant” MVRs online. They frequently demand far more fees than the DMV, and the information may be inaccurate.
What’s in an MVR?
An MVR is a record of all your movement infractions, including speeding tickets, driving convictions, and accidents.
It typically comprises a minimum of three years of driving history. The amount of years that insurers are interested in varies by state and firm, but an insurer will always check your history before providing you with a final estimate.
Depending on your state, your MVR is likely to include the following information:
- Drivers license status, including suspensions and revocations.
- Driver’s License Class
- Restrictions or endorsements on your driver’s license
- Traffic citations
- Vehicle offenses
- Accident reports
- Driving record points, if your state employs a point system
Your MVR may also contain your:
- Age
- Address
- Birthdate
- Gender
- Eye and hair color
- Weight and Height
An MVR is not a public record, but federal restrictions give attorneys, corporations, law enforcement, government organizations, and others limited access to driving records in all 50 states. If driving is required for the position, a potential employer may request your MVR.
Each state determines how an MVR is accessible, who can access it, and the quantity of information released.
Why it’s good to get your driving record
Car insurance companies use your MVR, along with other information, to determine whether to sell you coverage and how much to charge. Knowing the dates of accidents or violations enables you to obtain a more accurate quote up front.
Obtaining your MVR before buying car insurance allows you to:
- Correct any inaccurate personal information in the report
- Request expungement of some penalty points that could affect your premium, if your state allows it
