It’s evident that car accidents can happen to anyone, and dealing with insurance expenses can be challenging. If you want to cut down on car insurance costs and minimize your likelihood of accidents, consider registering for a defensive driving course.
As a licensed insurance agent, I know the hassle of dealing with car insurance, especially for drivers involved in accidents. That’s why I’ll discuss the benefits of defensive driver courses here to help those interested in saving and being safe.
Table of contents
The Benefits Of Taking A Defensive Driver Course
- Improved Driving Skills And Knowledge: By taking a defensive driver course, you’ll learn how to handle your vehicle more effectively and make better driving decisions. These courses often cover topics such as proper lane positioning, speed management, and how to respond to hazards and emergency situations.
- Lower Risk Of Accidents And Traffic Violations: By learning how to anticipate and avoid dangerous situations, you’ll be less likely to get into an accident or receive a traffic violation. This can save you money on insurance premiums and protect you and your passengers from harm and inconvenience.
- Potential Discounts On Car Insurance Premiums: Many insurance companies offer discounts to policyholders who have completed a defensive driver course. Depending on the company and policy, discounts can range up to 25%. By taking a course and demonstrating your commitment to safe driving, you may be able to lower your car insurance premiums.
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How To Find And Enroll In A Defensive Driver Course?
If you’re interested in taking a defensive driver course, here are a few steps you can follow to find and enroll in a course:
Determine What Type Of Course You Want To Take: There are two main types of defensive driver courses: in-person and online. In-person courses are typically offered by driving schools or community centers at fixed schedules.
In my opinion, online courses are often more convenient, as they can be completed at your own pace and from the comfort of your own home.
Research Course Providers: Once you’ve decided on the type of course you want to take, you’ll need to find a reputable provider. You can start by asking friends or family members for recommendations or by searching online for course providers in your area. Make sure to read reviews and compare prices before making a decision.
Enroll In The Course: Once you’ve found a course provider that meets your needs, it’s time to enroll. This typically involves filling out an application and paying a fee. Some providers may require you to pass a test or complete a certain number of hours of instruction before you can complete the course.
The Impact Of A Defensive Driver Course On Car Insurance Premiums
Taking a defensive driver course can significantly impact your car insurance premiums. Many insurance companies offer discounts to policyholders who have completed a recognized course, as it demonstrates a commitment to safe driving practices.
I have listed a few examples of insurance companies that offer discounts for completing a defensive driver course:
- Allstate: Allstate offers a discount of up to 10% for policyholders who complete an approved defensive driver course.
- GEICO: GEICO offers a discount of up to 10% for policyholders who complete a defensive driving course approved by the National Safety Council or the American Safety Council.
- State Farm: State Farm offers a discount of up to 10% for policyholders who complete a defensive driving course approved by the National Safety Council or the American Association of Retired Persons.
It’s essential to note that the discount amount may differ depending on factors like age, driving record, and policy specifications. Not every insurance company provides discounts for finishing a defensive driving course, so it’s crucial to confirm with your insurer if this choice is available.
Conclusion
Taking a defensive driver course can hold multiple benefits in lowering your premium costs, reducing your car accident risk, and improving your skills as a conscientious driver. With options for in-person or online courses, now may especially be a good idea to invest in your driving and start saving.
