Car insurance premiums can be a significant expense, and many drivers rely on various discounts to keep their costs manageable. One of the most valuable discounts available to California drivers is the Good Driver Discount. However, losing this discount can result in a substantial increase in your insurance premiums. Understanding the impact of losing this discount and how to maintain a good driving record can save you a considerable amount of money. Here’s what you need to know.
The California Good Driver Discount
The California Good Driver Discount is designed to reward drivers who maintain a clean driving record. To qualify for this discount, you must meet specific criteria, including:
- Having a valid driver’s license for at least three years.
- Having no more than one point on your driving record within the past three years.
- Being free of major violations, such as DUI or reckless driving, within the past ten years.
This discount can lower your insurance premiums by up to 25%, making it a significant benefit for those who qualify.
What Happens When You Lose the Good Driver Discount?
If you lose the Good Driver Discount due to traffic violations or a chargeable accident, you can expect your insurance premiums to increase dramatically. Losing this discount can result in a rate hike of nearly 25%, depending on your insurer and driving record. This increase reflects the higher risk that insurers associate with drivers who have traffic violations or accidents on their records.
Maintaining a Good Driving Record
Maintaining a clean driving record is crucial for keeping your insurance premiums low. Here are some tips to help you stay on track:
- Obey Traffic Laws: Follow all traffic rules and regulations to avoid tickets and infractions.
- Drive Defensively: Practice defensive driving techniques to reduce the risk of accidents.
- Avoid Distractions: Stay focused on the road and avoid distractions such as texting or using your phone while driving.
The Role of Traffic School
In California, attending traffic school can help you manage your driving record and keep your insurance premiums from skyrocketing. Here’s how it works:
- Eligibility: You are typically eligible to attend traffic school once every 18 months to have a traffic violation masked from your public driving record.
- Benefits: Completing traffic school prevents the violation from being reported to your insurance company, which can help maintain your Good Driver Discount and prevent a rate increase.
- Convenience: Traffic school courses are widely available and can often be completed online, making it a convenient option for busy individuals.
Why Attend Traffic School?
Attending traffic school whenever you are eligible can make a significant difference in your insurance premiums. By removing points from your driving record, you can avoid the loss of your Good Driver Discount and keep your insurance rates from increasing by almost 25%.
Conclusion
Losing the California Good Driver Discount can lead to a substantial increase in your insurance premiums. However, by maintaining a good driving record and taking advantage of traffic school when eligible, you can keep your insurance costs under control. Drive safely, stay informed about your driving record, and utilize traffic school to ensure you continue to benefit from lower insurance premiums.
By following these recommendations, you can navigate the complexities of car insurance and ensure that you are always getting the best rates possible.
Stay safe and drive smart! If you need a quote on your auto insurance call our office at 877-898-9333
Insurance Incorporated Team
