I think what you're describing are peaks.
You'll have an accumulation of sound that will often times go beyond, or get very close to, 0db on the master fader.
As mention above, mixing is 90% volume adjustment on the individual channels (it's my go to before i do any,light, additive eq). I might add very clever in explanation.
If you keep the master fader at 0db, you can see when Your entire song, peaks or clips.
At that moment of clipping, you'll have to discern what is happening so that you can adjust. This skill takes some time to get but eh. If you've rendered it out from the master, you can look at the entire wave form and see what's happening. This also works if you bounce the master track and look at the entire wave form to adjust or make automations at the correct time location.
In all honesty, your average volume, might be where you need it to be in terms of mastering. This tends to happen frequently if you're aiming to not have any peaks at 0. I tend to run my mixes hotter where they do peak at 0, some times, but that's a recent trend of mine.
So it sounds like your mix might be to hot to begin with and lowering the master isn't helping, because that information is clipping already.