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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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