Am I eligible for the California good driver discount? This question is about Cheap Car Insurance in California

The California good driver discount is 20% for residents who have had a valid driver’s license (from any state) for the past 3 consecutive years, have no more than 1 point on their driving record, and have no serious driving-related convictions. The good driver discount is mandated by California law, so every insurance company must provide it to drivers who qualify. Requirements for the California Good Driver Discount Licensed for the past three years without interruption. If you were licensed in another country for part of that period, you must have been licensed in the U.S. or Canada for at least the past 18 months to qualify. No more than one driving record point. One-point offenses include speeding, running a stop sign, and causing a minor accident that results only in property damage. No more than one violation resulting in traffic school. You are ineligible if you have taken traffic school more than once due to a citation in the past three years. No at-fault accidents causing injury or death. Accidents that were not your fault will not affect your eligibility unless they added points to your record. No DUI or other alcohol-related convictions on record. DUI convictions remain on record for 10 years, per California law. If you’re unsure about your driving record or you’re wondering whether your insurer has already applied the discount, it’s always worth checking with your insurance company directly.

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Am I eligible for the California good driver discount?

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@WalletHub • 09/16/20 This answer was first published on 09/17/20 and it was last updated on 09/16/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The California good driver discount is 20% for residents who have had a valid driver’s license (from any state) for the past 3 consecutive years, have no more than 1 point on their driving record, and have no serious driving-related convictions. The good driver discount is mandated by California law, so every insurance company must provide it to drivers who qualify.

Requirements for the California Good Driver Discount

Licensed for the past three years without interruption. If you were licensed in another country for part of that period, you must have been licensed in the U.S. or Canada for at least the past 18 months to qualify.
No more than one driving record point. One-point offenses include speeding, running a stop sign, and causing a minor accident that results only in property damage.
No more than one violation resulting in traffic school. You are ineligible if you have taken traffic school more than once due to a citation in the past three years.
No at-fault accidents causing injury or death. Accidents that were not your fault will not affect your eligibility unless they added points to your record.
No DUI or other alcohol-related convictions on record. DUI convictions remain on record for 10 years, per California law.

If you’re unsure about your driving record or you’re wondering whether your insurer has already applied the discount, it’s always worth checking with your insurance company directly.

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No, California is not a no-fault state for auto insurance. California is an “at-fault” or “tort” state, which means the person who is at fault for a car accident is responsible for paying for other people’s injuries and property damage resulting from the accident. Additionally, unlike in no-fault states, drivers in California can file lawsuits to seek compensation for even basic medical expenses after an accident.

In typical no-fault states, drivers are required to carry personal injury protection (PIP) insurance to pay...

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Car insurance in California is expensive because the state has multiple densely populated, high-crime urban areas. In California, you can expect to pay around $4,556 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in California is about the same as the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.

The cost of car insurance is steadily increasing, too, both in California and nationwide....

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Where can I get low mileage car insurance?

You can get low-mileage car insurance from several insurance companies if you are someone who drives infrequently. Insurance companies provide options for drivers who drive short distances, as well as for those who demonstrate safe driving practices.

Some of the options include discounted premiums for driving under a certain mileage, plans that are priced based on how you drive, or coverage from companies that provide policies exclusively based on driving distance and behavior data....

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