how much can you save on your car insurance by taking a defensive driving course

What insurance companies offer defensive driving discounts?

• Allstate. Drivers ages 55 and older can receive discounts as high as 10% after completing a defensive driving course.
• American Family Insurance. American Family policyholders who complete defensive driving courses earn decent discounts. ...
• Farmers. ...
• GEICO. ...
• MetLife. ...
Nationwide. ...
State Farm. ...
Travelers. ...
USAA. ...

Full Answer

How much can you save with a defensive driving course?

If you are paying $100 a month for car insurance and receive a 10% discount after taking a defensive driving course, you would be saving $120 a year on your auto insurance premium and over three years, that savings would hit $360 after taking a $50 course, making the defensive driving class well worth the cost.

Do defensive driving classes reduce car insurance premiums?

Apr 28, 2021 · Esurance offers a defensive driver discount of up to 10 percent for three years. It is most often applied to drivers ages 50 or olderwho have completed a defensive driving or driver improvement class. In New York, New Jersey, Georgia, and Oklahoma drivers of all ages can claim Esurance’s defensive driver discount.

How much is the State Farm defensive driving discount?

You can save 10% to 15% off your policy when you take a qualifying course. Other companies may offer more or less depending on how they rate policies. To determine what you may save by taking a course, you can request car insurance quotes. You should have the option to select a defensive driving course discount.

How much is the insurance discount for a driving course?

Oct 01, 2020 · How Much Can You Save? Again, it depends on the company and the type of course you take. The insurance companies that offer such programs tend to reward drivers with a 5% – 15% discount on their premiums. However, there are variables such at the exact type of course taken, the state in which you take the course, and the individual insurance company itself.

How much do you save with defensive driving course in NY?

Does defensive driving course reduce insurance in Ontario?

Which online defensive driving course is best in NY?

Which online defensive driving course is best?

How can I get a discount on car insurance in Ontario?

How much do driving lessons cost in Canada?

How much is a 6 hour defensive driving course in NY?

How long does the NYS online defensive driving course take?

Is it possible to fail a defensive driving course?

How many months does a defensive driving course take off?

Which defensive driving course is easiest?

What is the easiest and fastest online traffic school?

Request a Free Car Insurance Quote to Compare Price and Eligibility

Before we start, it should be noted that everyone should begin this process by requesting a quote with numerous providers. The easiest way to do this is by using a service called Gabi.

Discounts on Auto Insurance for Defensive Driving

Defensive driving discounts offered by insurance companies can vary significantly. Some companies do not offer discounts, while others may offer discounts of up to 20%. Most often, drivers can expect a discount of about 10%. Car insurance companies would always like you to be a safer driver. You should also want this for yourself.

Requirements for Earning Defensive Driving Insurance Discounts

Most insurance companies have specific requirements for earning a premium discount by completing defensive driving. Some may have age requirements. We often see that teen or senior drivers. Your insurer will also typically require that you complete a qualifying defensive driving course.

Defensive Driving Insurance Discount Exclusions

Discounts on auto insurance for defensive driving are not automatic. You’ll need to check your eligibility before enrolling. Again, we emphasize that because you’re attempting to save money it might be time to shop around with a free quote from Gabi to see what else is out there.

Renewing Defensive Driving Insurance Discounts

Once you complete a defensive driving course for an insurance discount, you’ll need to keep up with it. This is not a lifetime discount. Insurance companies want to make sure you’re refreshing your safe driving skill set regularly. Most insurers require that you retake a course every two years.

Shop Around for the Best Defensive Driver Insurance Discounts

As insurance discounts for defensive driving can vary significantly by company, you may find that you’ll need to shop around to find the best rate and discount. One insurer may offer a lower initial rate but not offer a discount, while others may have a higher rate but a better discount, ultimately making your premium lower.

Which Insurance Companies Have the Best Defensive Driver Discounts?

Find out which leading insurance companies offer defensive driver discounts by using the Gabi widget below. Brands compared by the company include some of the most reputable agencies in the business at budget prices. Don’t forget to ask them and see how much you could save just by completing a defensive driving course.

How often can you take a car insurance course?

Generally speaking, you can only take one course every several years. Plus, the discount may only apply to one vehicle which may be problematic. In addition, you might find that the discount you earned only applies to certain insurance policies.

How old do you have to be to get a discount on your insurance?

To qualify for the discounts, you must pass the course that is provided. For seniors, you must be over the age of 50, however, that many vary depending on the individual insurance company. Younger drivers taking an advanced driving course to reduce insurance must be under the age of 21. For the regular defensive driving course, you must be between 21 to 50 years old.

Can you take defensive driving classes online?

Taking and completing a defensive driver course not only enables you to learn road safety, but it also enables you to qualify for significant discounts on your insurance premiums. You can take a course online or in a classroom setting.

Does defensive driving course increase your speeding ticket?

On top of that, the course can help you save even further through the additional discounts available. A car accident or a speeding ticket could increase your rates by up to 23% and 33% respectively and taking a defensive driver course significantly reduces your chances of getting in an accident or receiving a ticket.

How long is the road safety course?

The course can last between four to eight hours and will take you through road safety statistics, techniques on how to avoid accidents, and the traffic laws of your state, among others.

What age can you get defensive driving?

The eligibility or requirements vary depending on the company and the driver. Several companies offer the defensive driving discount to drivers under the age of 25 and over the age of 55 since they are at most risk. The Hartford and Allstate on the other hand, have no age requirement.

Why do insurance companies reward safe drivers?

Several of them often reward safe drivers by giving them various discounts on premiums. Taking and completing a defensive driver course not only enables you to learn road safety, but it also enables you to qualify for significant discounts on your insurance premiums.

What is car insurance?

Car insurance is one of the costs several consumers overlook when shopping for a new vehicle. Depending on the insurance provider you go for, you can find yourself spending a lot on premiums. These premiums can further increase with every traffic violation.

How much does a speeding ticket increase your chances of getting in an accident?

A car accident or a speeding ticket could increase your rates by up to 23% and 33% respectively and taking a defensive driver course significantly reduces your chances of getting in an accident or receiving a ticket. If you apply what you learn, you can avoid accidents for several years.

What happens in a defensive driving course?

Defensive driving courses are typically administered online or in person through local DMV or DPS offices. Classes may range from four to 12 hours in length depending on state regulations and format of the course. These classes are not free but often cost less than $100.

How much money does a defensive driver discount save?

It varies by insurance company, but this discount typically saves a driver between 5% and 10% of their car insurance premium.

Common restrictions to the defensive driver discount

Eligibility for these courses and the corresponding discount sometimes have some restrictions. The groups most commonly eligible for this auto insurance discount are drivers under 25 and over 60, since these populations are the most at-risk for accidents and have the highest auto insurance premiums of any demographic.

Sources

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Step 1: Sign up for Comedy Defensive Driving

First step to saving money on your car insurance is to go ahead and sign up here. Click the link and put in your information. You will need your drivers license number, insurance information and ticket information (if you are signing up to dismiss a ticket). Once you have put all of the above information in you will be able to begin your course.

Step 2: Take you quick quiz

Once you have completed your course, you will be prompted to complete a quick quiz. Don’t worry! This quiz is not hard, especially if you payed attention to all of the hilarious videos. This is to make sure you retained the information in the course and can insure that you are a safe driver.

Step 3: Get your certification

So you passed your test and are ready for the next step? Perfect because this step is probably the easiest of them all! Once you have competed step 1 and 2 you can instantly receive your certification. Yes, INSTANTLY! We give you the ability to download your certification immediately after completing your test.

Step 4: Save money on your car insurance

Now that you have done all the hard work it is time to take in the benefits. Save money on your car insurance benefits. To do this you are going to want to call your insurance provider and make them aware that you have taken a defensive driving course.

What are the benefits of defensive driving?

“For instance, they can help you keep points from a traffic ticket off your driving record, comply with a court order, and qualify for a car insurance discount .”

What does Musson encourage drivers to do?

Musson encourages drivers to be proactive. “With all the distractions of the holidays and the fact that more people are on the roads, a fresh outlook on safety can help you prevent an accident.”