Protecting your driving record should be everyone’s mission. In the
first place, it will show employers that you are a responsible citizen
and can be trusted with more responsibility. It will save you money on
court costs, traffic school, and fines. But, the biggest advantage of
having a perfect driving record is that you will save at least 20 percent
on automobile insurance with a “good driver’s” discount.
The voters of CA approved Proposition 103 in 1988, a sweeping insurance
reform measure with a broad broom. It changed the way insurers could determine
premiums for automobile owners. The measure requires insurers to consider
three factors as the primary means to determine premiums:
1. Safety record*
2. Number of miles driven per year
3. Years’ of experience
*Proposition 103 guarantees a 20% discount for safe drivers, those who
have zero or only one Negligent Operator Treatment System (NOTS) point
and was a three-year continuously licensed driver (no suspension).
It also made it illegal for insurance companies to deny or charge a higher
premium for previously uninsured drivers or when there was no record of
their being insured. This measure was particularly beneficial to the military,
their dependents, Peace Corps members, and others who had spent the intervening
years overseas. Additionally, 103 made it illegal for insurers to use
credit-worthiness as a factor to determine premiums. These factors made
automobile insurance cheaper overall and fairer, eliminating many discriminatory
practices and making it very beneficial to maintain a perfect driving record.
Check Your Motor Vehicle Driving Record (MVR) Regularly
One of the personal individual methods of maintaining a perfect driving
record, besides driving defensively and not letting distractors interfere
with your driving, is to periodically (at least annually) check your MVR.
You can do that online through the
DMV.CA.gov website, register, and request your MVR. Although this is an unofficial record
that only cost $2.00, if there is any incorrect, someone else’s,
or out-of-date information on your record, you can order an official record
on a Form
INF 1125 and request the DMV revise or correct your MVR at one of their
Therefore, if everything is correct, you can get your 20% good driver’s
discount from your insurer because of your near perfect driving record,
Traffic School for a Less Than Perfect Driving Record
What should you do when trying hard as you may, you still got a ticket?
The best thing to do is call Bigger & Harman for legal advice and
counsel. In many cases, they may advise you to pay the fine and go to
traffic school to keep the ticket confidential from your insurance company
so you in effect keep your perfect driving record and the same premium.
Make sure the course is from a state-approved source, you complete the
traffic course on time, and you keep a copy of your certificate. You can
view a list of DMV-approved traffic schools
Other times, it may be prudent to fight the ticket. Quite often, it is
cheaper to hire a traffic ticket attorney than pay the price of the fine
and traffic school attendance. In that situation, you want the best possible
traffic ticket attorneys, Bigger & Harman.
Hire a Local Traffic Attorney
Call Bigger & Harman when you receive a ticket in Central Valley, including
Kern, Fresno, Kings, Tulare, Mono, and others. Bigger & Harman has
an excellent reputation with traffic court judges in Delano, Visalia,
Bishop, Lamont, LA, and Santa Clarita. Call Bigger & Harman today,
661-349-9300. Or, send an email:
email@example.com. For confidential and convenient appointment set up, use their website
You can even contact them on their
En español, llame al 661-349-9755.