They also reward drivers who complete a defensive driving course, which can teach you tactics to become a safer driver and reduce the risk of collisions. Generally, most Lake Point Insurance companies consider a good driver to be one who has not had an at-fault accident or traffic violation in the past three years. However, some insurers may consider a driver to be a good driver even if they have an at-fault accident or traffic violation on their record if the incident did not affect their driving ability or cause property damage.