What does it mean to qualify for the ‘good driver’ discount
in California?
To some, being a good driver means you follow the speed
limit and that you haven’t had any real
bad accidents. To the insurance company,
the statement or discount for ‘good driver’ means more.
Did you know in California you don’t even qualify for the
good driver discount until you have three years licensing experience? For example, if you are 18 and got your
license at age 16, you don’t qualify. The
same goes if you are 30 and just got your license last week, you don’t qualify
either. The discount is not dependent on
age, just licensing experience and that discount will not show up on your
policy until that three years is met.
Now that we understand how to qualify for the good driver
discount let’s discuss how a driver can lose it. Let’s say you are driving one day and you get
pulled over. The officer hands you a
speeding ticket. Do you lose that
discount? No. One ticket, which equals one point on your
record, won’t do you in. It’s the second
one you receive that will do it. One
ticket = one point on your record. Two
tickets or the combination of a ticket and an at fault accident will result in
two points on your record, which means you lose the good driver discount.
Also, if the at fault accident results in your insurance
company paying out bodily injury to the other party, then that counts as a two
point occurrence.
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