Proposition 103 (the voter-approved measure that forms the basis of auto insurance rating and underwriting rules for California insurers) provides a 20% premium discount on all coverage lines for "Good Drivers." The following is intended to be a brief summary of the Good Driver qualification criteria. It does not include all the rules. In most cases, an individual qualifies as a Good Driver if he/she:
- Has been continuously licensed to drive for 3 years; and
- Has not had a driving license suspension, cancellation or revocation in the last 3 years, and
- has not been convicted of an alcohol or drug-related traffic violation in the last 7 years; and
- has not been convicted of a "major" or "serious" traffic violation (e.g., reckless driving, speed contest, hit-and-run, driving in excess of 100 m.p.h., etc.) in the last 3 years; and
- has not been principally at fault in an accident resulting in bodily injury (with total damages in excess of $500) in the last 3 years; and
- has no more than one of the following in the last 3 years:
- "minor" traffic conviction (e.g., driving too fast for conditions, improper lane change, following too closely, etc.); OR
- principally at-fault accident resulting in damage to property only (in excess of $500)
1 comment:
Yes I do also got this discount last time when I renewed my policy. Based on my driving record insurance agency gave me a discount which made the policy rate go down. I agree with all the points that you have stated about good driver discount criteria. I also got to know few more unique points from the above information. Thanks
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