In 1988 California voters approved Proposition 103 that required car insurance companies to offer the Good Driver discount of at least 20% for drivers that meet certain criteria including:
Be continuously licensed for 3 years
Have a good driving record
No DUI’s for the last 10 years
Not cause a Bodily Injury accident for past 3 years
I sometimes get the question, if I have maintained a clean record for a while, why doesn’t my rate go down because of this. Usually this is because they have already reached the maximum that this discount offers as mandated by the State. Only if they did not qualify previously and then finally do, will they see their rates decrease.