at what age can you get auto insurance discount for taking safety course?

In most states, you must be 50 or 55 years of age before the discount can be applied for taking a driver safety class. AAA and AARP courses are accepted by Geico in some states for a discount. They are listed differently on the Geico application as there are different qualifications to comply with for the discounts.

Full Answer

Does taking a driver safety course help you get car insurance discounts?

Feb 07, 2021 · Varies by insurer. Arkansas. Yes. Varies by insurer. Voluntary; 50 or 55 years old minimum, depending on insurer. California. Yes. Varies by insurer. Voluntary; 55 years old minimum; Insurer may refuse to provide discount if you have a poor driving record.

Do insurers offer discounts for teen drivers with driving courses?

The amount of the discount can vary based on the individual taking the course. Drivers between the ages of 16 and 25 can typically see a discount on their auto insurance of around 15 percent while drivers 55 and older tend to receive a 5 percent auto insurance discount. Again, this can vary based on driving record or state of residence.

What are the best car insurance discounts for younger drivers?

Drivers age 55 and older qualify in many states for a Mature Driver Car and Auto Insurance Discount. After completion of this course, you will get a certificate either by mail or direct download (for some states) to forward to your insurance company or agent. See your policy for additional details.

Do you qualify for anti-theft and car safety discounts?

Feb 22, 2022 · How to Get a Driver’s Ed Car Insurance Discount. Most car insurance companies offer some sort of driver’s ed insurance discount, while others will not provide insurance at all unless your teen driver takes driver’s ed. Most high schools around the U.S. offer driver’s education classes to students 15 years old and older.

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AARP Makes Getting an Auto Insurance Discount Easy

A driver safety course is an easy way to get a discount on your auto insurance- usually somewhere between 5 and 20 percent depending on your state and your driving record.

Who Qualifies for the Driver Safety Training Auto Insurance Discount?

In many states, 34 to be exact, auto insurance companies are required to offer an auto insurance discount for drivers who complete this course and other certified driving courses. Details regarding which states have mandated auto insurance discounts and which states do not can be found at AARP’s website.

Other Ways to Find Auto Insurance Discounts

Driver safety courses are a great way to reduce your car insurance premium, but the discount can only be applied to your bill every few years. If you are looking for ongoing savings, we highly recommend shopping around.

How to lower car insurance rates for teens?

If you have a teen driver on your car insurance, you can lower your rates by enrolling the teen driver into a driver’s education course. Of course, the teen must pass the course. When a driver’s ed class is completed, they give the teen a certificate proving they passed.

Why do you need to take a driver's education course?

Taking a driver’s education course will help keep the cost down for insuring your teen driver. Some states now mandate driver’s education before a teen can get their license. Compare organizations offering driver’s education classes to make sure you choose the one that’s best for you.

What is the purpose of driver education?

The purpose of a driver’s education is to do more than teach your child the rules of the road. The right class will teach them offensive and defensive driving and respect the dangers of the road. Of course, you don’t want to overlook the possible benefit of getting a discount on your car insurance premiums as well.

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Does driving school reduce car insurance?

The driving school could provide decreased car insurance rates for you, your teens, and your family. Make sure you check your provider’s requirements for getting a discount from attending driving school. Driving school discounts may reduce full coverage car insurance rates by up to five percent.

Do insurance companies give discounts to drivers?

However, some insurance companies only offer a discount for the main driver or policyholder on the policy. If you are a parent, then having your teen driver take classes is a great idea. Chances are your insurer will view that as lessening the risk of coverage for a young driver.

Do teens pay more for car insurance?

The benefits of taking the driving course for teens are not limited to a decrease in premiums. Regardless of taking a driver’s ed course, teen boys do not always pay more for their car insurance (see our age and gender guide to car insurance for more details).

What is the discount for defensive driving?

Taking a defensive driving class can result in a car insurance discount of 5% to 10%. It can also help to remove DMV points from your record and further reduce your insurance costs.

Why do you need to take defensive driving classes?

There are several reasons why you may need to take a defensive driving class. It may be required if you have been picked up for a DUI, you may be hoping to save money on your car insurance premium or maybe you just want to be a safer driver. Here are a few reasons you may want to take a defensive driving course.

How to avoid an accident while driving?

Keep your distance: Keeping a safe distance between you and other vehicles is one of the best ways to avoid an accident. Always be aware of vehicles and other obstacles around you and maintain a safe distance. Always expect the unexpected: This is a significant component of defensive driving.

What is the best way to get better at driving?

You might want to consider taking a defensive driving class. Taking a defensive driving course can help you become a better driver while also keeping your driving record clean and putting a bit of auto insurance money back in your pocket.

How to keep points off your driving record?

Remove a ticket: Some states allow you to take a defensive driving course to keep a ticket off your driving record. This can help keep points off your driving record and keep your auto insurance premium from going up. Lower your insurance premium: Insurance companies offer dozens of discounts, and many insurers offer a discount to drivers who ...

Is defensive driving worth it?

In most cases, a defensive driving course is worth the cost, based on the savings you could achieve after a car insurance discount is applied. If you take a defensive driving course to knock a ticket off your driving record, the savings are worth it. In many cases, your premium can go up 20 to 25% for a speeding ticket or other minor infraction.

How much does defensive driving cost?

While it can vary by course, most defensive driving classes cost between $25 and $100, with the average coming in around $50. Once you have completed the course, you should receive a discount between 5% and 15%, which lasts for three years with most insurers.

How to get a defensive driving discount

Since defensive driving can make you safer on the road, many insurance companies will offer a discount for taking a defensive driving course. Each insurer's discount and terms are different, and state regulations can come into play, too. Before you sign up for a defensive driving course, you can do the following:

How do driver safety course insurance discounts work?

Defensive driving is often geared towards younger and older drivers who may have higher car insurance premiums, but a defensive driving discount may be offered to people of all ages. Some states require insurers to offer defensive driving discounts, while others do not.

How old do you have to be to get a student discount?

And the savings last after you graduate from college, until you turn 25. To receive the discount, the student must be 16-25 years old; enrolled full-time in high school, college or home schooling; and show proof of a B or 3.0 GPA or top 20% in class rank or have qualifying test scores if homeschooled.

How long does a car have to be insured for State Farm?

Accident-Free Discount. You qualify for this discount when your car, or the one it replaced, has been insured by State Farm for at least three continuous years without a chargeable accident. This discount may increase over time if you keep your car insured with State Farm and continue to have no chargeable accidents.

What is a driver discount?

Driver discounts can include having passengers wear seat belts, taking a defensive driving course or simply driving the speed limit. These are the most common discounts among insurance companies and can make up a huge part of your savings on rates.

Does State Farm have an alarm?

You're eligible if your vehicle has an alarm or some other approved anti-theft device. Having certain features can give you peace of mind and actually deter theft, but they do little in terms of reducing your premiums. It’s always best to check with your State Farm agent before adding any anti-theft features for the sake of saving money on your policy.

How much can you save on medical payments if you were made in 1994?

If your vehicle was made in 1994 or later – depending on the make and model – you could save 40% on Medical Payments coverage. Discount percentages are based on each make and model's repair records and are adjusted every year.

How much is the discount on medical payments for 1993?

For 1993 and older vehicles equipped with a factory-installed air bag or other passive restraint system, you can receive a discount up to 40% on Medical Payments coverage. Passive restraint equipment includes front air bags and seat belts, which are installed in most cars since 1983.

Does State Farm offer discounts on auto insurance?

As a State Farm customer, you may be eligible for one or more of the many auto insurance discounts we offer. You could save money for being a safe driver, student, or a family with multiple household vehicles. Discounts vary by state.

What is I Drive Safely?

I Drive Safely is committed to helping you lower your insurance rates! Our standard courses and our special mature driver safety course help users to obtain insurance discounts. Our dedicated team of e-learning experts have created courses that are user-friendly for people of all ages.

Does insurance discount have to be a hassle?

Getting an insurance discount doesn't have to be a hassle. With our insurance discount online course you will get all the same information you would in a normal defensive driving course, but with all of the added benefits of online learning.