CA: I earned two points from a wet reckless charge, which are set to expire. Will this still affect my insurance rates?
In California, I have no accidents and received a speeding ticket about ten years ago. I had a good driver discount before my wet reckless conviction.
With the two points from the wet reckless expiring, I realize I’ve lost my good driver discount for what could be a decade. However, I’m curious if having the wet reckless on my record will still influence my insurance rates once I’m back to having zero points.
Additionally, is it worth the time and money to take a senior defensive driving course for the potential discount?
In California, while the two points from your wet reckless (WR) conviction will expire after a certain time, the impact on your insurance rates can vary depending on your insurer. Many insurance companies look at your overall driving record, and even if the points are no longer visible after they expire, the WR conviction itself might still influence your rates for some period. Generally, it’s best to check with your specific insurance provider to see how they calculate rates once the points are removed.
As for the good driver discount, it typically lasts for 10 years following a traffic violation, but again, this can vary by insurer. After 10 years of a clean driving record following your WR, you may be eligible to regain that discount.
Regarding the senior’s defensive driving course, it can be worth it if the course offers you a discount on your insurance premiums. Many insurers provide a discount for completion of such courses, often between 5% to 15%. You’ll want to consider the cost of the course against the potential savings on your insurance to determine if it’s a good investment for you. Some insurers might even allow you to take the course periodically to maintain discounts.
It’s always a good idea to communicate with your insurance agent for the specifics related to your situation and explore any possible ways to lower your rates!