Defensive Driving Insurance Discount: Are You Missing Out On Easy Savings?

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If you’re like most people, you’re always looking for ways to save money on your car insurance. Well, did you know that one of the easiest ways to get a discount is by completing a defensive driving course?

Defensive driving courses are offered all over the country, and many insurance companies offer discounts for those who complete them. Not only do you get to learn driving skills that could save your life, but you also get an insurance discount on top.

In this blog post, we will discuss the benefits of defensive driving courses and how to get a discount on your car insurance!

What Is A Defensive Driving Discount?

A defensive driving discount is a reduction in your auto insurance premium that is available to drivers who complete a defensive driving course. The purpose of these courses is to teach drivers how to be more aware of their surroundings and how to avoid accidents.

A defensive driving class is typically four to six hours long and can be taken online or in person. Many states also offer defensive driving courses for seniors or young drivers.

Auto insurance companies offer discounts for defensive driving courses because they have been shown to reduce the number of accidents and traffic violations. In fact, some studies have shown that taking a defensive driving course is 89 percent likely to make someone a safer driver!

Discount Basics: Defensive Driving Course

Most insurance companies offer an insurance discount of 5-20% for completion of a defensive driving course. The amount of the discount may vary depending on the company and the state in which you live.

Some states, such as New York, even require insurers to offer a defensive driving discount. In New York, the minimum defensive driving insurance discount is 10%.

However, even if your state does not require insurers to offer a defensive driving discount, it is still worth checking with your auto insurance provider to see if they offer one. Many insurers will give you a discount if you complete a defensive driving course without being required to do so by law.

Qualifying for a Defensive Driving Discount on Your Auto Insurance

To qualify for any defensive driving course discounts, you must complete a state-approved defensive driving course. The course must be approved by your state’s Department of Motor Vehicles (DMV) or court system.

Once you have completed a defensive driving class, you will need to provide your insurance company with a copy of your certificate of completion. Some insurance companies will then apply the discount to your premium.

It is important to note that not all defensive driving courses are created equal. Some courses are better than others at teaching drivers how to avoid accidents. When choosing a defensive driving course, be sure to choose one that is approved by your state’s DMV or court system.

Is Taking Defensive Driving Classes Worth It?

Defensive driving classes have various advantages.

The right course will give you specialized knowledge on safe driving. You’ll be offered professional advice from experienced tutors. It can reduce your risk of accidents and can also enhance your driving records.

Improve your record

Defensive driving courses can be used in order to increase driving awareness. This might be helpful in improving your driving record.

Refresh your knowledge

Some drivers, even experienced drivers, need refreshers in terms of driving rules. A defensive driving course can be an effective tool in ensuring the safety and effectiveness of your vehicle.

Increase your safety awareness

The road is dangerous. This is why we need an effective training tool to develop a solid knowledge base. A defensive driving training program helps make you safer.

Save lives

Not surprisingly, the ability to drive safely is a good way of ensuring your safety. In a responsible way, you reduce your risk of accidents.

Online vs In-Person Driver Training Classes: Pros and Cons of Each

In most states, there are options for completing defensive driving classes either online or on-site.

The classes you have taken should be certified with your state DMV and your insurance provider.

Each format has advantages and disadvantages.

In-Person Driver Safety Courses

Some states and insurers accept a special instructor. Before enrolling in classes, please consult your insurer for discounts on your course.

Online Driver Safety Courses

Most online defensive driving courses are self-paced, so you can complete the course on your own schedule.

However, some states do not accept online defensive driving courses for ticket dismissal or insurance purposes. You should check with your state DMV to see if online defensive driving courses are accepted.

Some insurers also offer their own online defensive driving courses that may provide a discount on your premium. You should check with your insurance company to see if they offer an online defensive driving course.

Shop Around for the Best Defensive Driver Insurance Discounts

Since defensive driving discounts for insurance companies differ considerably from one to the other you could find you need to look for the most competitive rates.

In some cases, a company offers lower initial rates but does nothing for discounts, while others may charge a higher fee but are better discounts resulting in lower premiums for the insured.

If your insurance company offers no defensive driver discounts, consider contacting other insurers and finding out if it will save your insurance.

Frequently Asked Questions

What is defensive driving and why should you do it?

Defensive driving is a type of driving that focuses on safety and prevention. It is about being aware of your surroundings and making smart decisions on the road. defensive driving courses teach you how to be a better, safer driver.

What are the benefits of taking a defensive driving course?

There are many benefits of taking a defensive driving course. For one, it can help you become a better driver. You will learn skills that can help you avoid accidents and tickets. Also, as mentioned above, it can qualify you for an auto insurance discount.

How can you get a discount on your car insurance for completing a defensive driving course?

Discounts for defensive driving courses vary by insurance company, but most offer a discount of 5-10%. To get the discount, you will need to provide your insurance company with a certificate of completion from the defensive driving course.

Why is it a good idea to take a defensive driving course?

There are many reasons why taking a defensive driving course is a good idea. As we mentioned, it can help you become a better driver and avoid accidents. But it can also help you save money on your car insurance! So if you’re looking for ways to save on your car insurance, consider taking a defensive driving course.

Where can you find a defensive driving course in your area?

Most states offer defensive driving courses online and in person. You can find a defensive driving course in your area by searching online or contacting your local DMV.

What are the requirements to get a defensive driving insurance discount from your car insurance company?

The requirements for getting a defensive driver discount vary by company, but most companies require you to take a course that is approved by the state in which you live. You will also need to provide your insurance company with a certificate of completion from the defensive driving course.

Conclusion

Defensive driving courses are a great way to become a better driver and save money on your car insurance. Most states offer defensive driving courses online and in person. And most insurance companies offer a defensive driver discount for those who complete them.

So if you’re looking for ways to save on your car insurance and level up your driving skills, consider taking a defensive driving course!

Take the next step to becoming a safer driver and saving money on your car insurance by finding a defensive driving course in your area and a matching car insurance provider!

Talk to an Expert Today

Looking for an expert in Georgia to lay out exactly how much you could save on your car insurance premiums? Give us a call today at (404) 600-1660.

Andrew Filar
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