🚀 go-pugleaf

In <4h5mes$6ue@dns.ktb.net> bashley@ktb.net (Bev) writes: 
>
>gvhunter@ix.netcom.com wrote:
>
>> b. Every driver who meets the criteria of Section 1861.025 shall be
>> qualified to purchase a Good Driver Discount policy from the insurer
of
>> his or her choice.  An insurer shall not refuse to offer and sell a
>> Good Driver policy to any person who meets the standards of this
>> subdivision.
>
>Is the value of this "Good Driver Discount" codified anywhere?  As far
as
>I can see it's worth maybe *another* $10 off my annual bill.  After
103 I
>noticed NO decrease in my rates;  several years later they sent me a
check
>for ~$150.00.  Feh. 

The value of the "Good Driver Discount".  Great, great question.  

Well, you did get a check for $150. That was from the settlement your
insurance company had with the Department of Insurance regarding the
20% rate roll-back/profit issue - for the insurance premium you paid
during 1988/89 only.

It sounds like, at least, your premium didn't increase over the last
seven years. That's pretty good when you think about it.  There was a
high rate of increase for the average policy premium, before Prop. 103.
The Prop. 103 advocates would like to take the credit, others say the
lack of increase in auto insurance rates since 1989 was because of
other factors.

Currently, the value of the "good driver discount" is primarily an
underwriting distinction.  If you qualify as a "good driver" you can
purchase a preferred policy at a better rate.  Non-good drivers pay
higher rates that good drivers.  The official discount is 20%, but in
practice it's more than that.

Galen Hunter
http://www.hntr.com/paradigm/