How many years does my record look back?

Insurers typically look at the past 3 years for tickets and 6+ for accidents, but it varies. We'll position your record with the insurer that rewards it most.

A ticket just fell off my record — can I save now?

Yes — when a conviction or accident ages out of the rating window, you may qualify for a lower rate. We'll re-rate you right away.

What is accident forgiveness?

It protects your clean-record rate after your first at-fault accident so your premium doesn't jump. We can add it for eligible drivers.

Auto insurance discount

Clean Driving Record Insurance Discount

Drive clean, pay less — your record is one of the biggest factors in your rate.

Get a quote with this discount

Your driving record is one of the largest factors in your premium. Drivers with no at-fault accidents, tickets, or convictions qualify for the best rates and for benefits like accident forgiveness. If your record has improved, you may be overdue for a lower rate.

We re-shop clean-record drivers across our panel to make sure you're getting the rate your history earns.

How to qualify

No at-fault accidents in recent years
No major convictions or tickets
Continuous insurance history
Years of licensed driving experience

Good to know

Frequently asked questions

How many years does my record look back?: Insurers typically look at the past 3 years for tickets and 6+ for accidents, but it varies. We'll position your record with the insurer that rewards it most.
A ticket just fell off my record — can I save now?: Yes — when a conviction or accident ages out of the rating window, you may qualify for a lower rate. We'll re-rate you right away.
What is accident forgiveness?: It protects your clean-record rate after your first at-fault accident so your premium doesn't jump. We can add it for eligible drivers.

More ways to save

Other auto insurance discounts

Retiree Discount Home & Auto Bundle Discount Driver Training Discount Multi-Vehicle Discount Winter Tire Discount

Claim your discount

Let's make sure you're getting every discount.

We'll apply every discount you qualify for and compare our full insurer panel to find your lowest rate.

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