will auto insurance give a discount to.a.good driver who takes a driving course

by Dallin O'Connell 6 min read

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Many insurance companies provide discounts to drivers who take defensive driving classes, and the discounts typically range from 5% to 20% off your car insurance premium.
Oct 21, 2021

How much is the insurance discount for a driving course?

Insurers often offer defensive driving discounts for drivers who have completed a course, particularly young and older drivers. While it varies by insurer, expect an insurance discount of 5 to 10% for completing a course.

What are the best car insurance discounts for older drivers?

Defensive driving discount from Geico -- about 5 percent for both older and younger drivers. Allstate -- up to 10 percent for all drivers, any age. The Hartford -- up to 10 percent for all drivers, any age. Liberty Mutual -- about 5 percent for both older and younger drivers.

Will taking a defensive driving course help me save on auto insurance?

Completing a defensive driving course can help you save on auto insurance if your insurer offers a defensive driver discount. The actual amount of the discount will vary based on your insurer, age, state, and other factors. Quote & save today! Is this article helpful? Winner! Glad you enjoyed it. Still have questions? Contact us for answers.

Can a point-reduction course save you money on auto insurance?

James Solomon, a defensive driving specialist with the National Safety Council, says a point-reduction course can result in a mandated 10 percent discount on your auto insurance in some states. And the rise in good driving habits can be lasting.

What GPA is required to earn a good student discount on auto insurance?

3.0 GPAGet good grades One of the following: B or 3.0 GPA or top 20% in your class. Rank top 20% on ACT, SAT, PSAT, TAP, PACT, California Achievement Test or Iowa Test of Basic Skills.

Who qualifies for California good driver discount?

The California good driver discount is 20% for residents who have had a valid driver's license (from any state) for the past 3 consecutive years, have no more than 1 point on their driving record, and have no serious driving-related convictions.

Does defensive driving course reduce insurance in Canada?

Even if you are an experienced driver, driver training can still help you lower you insurance. Completing a defensive driving course from an MTO approved driving school could qualify you for a discount.

Which are some types of insurance discounts available?

Driver safety car insurance discountsDefensive driving discount (10% to 15%) ... Accident-free and good-driver discounts. ... Safe driver discount (10%) ... Savings for low mileage and usage (varies, up to 20%) ... Good-student discount (5% to 25%) ... Away-from-home student discount (5% to 25%)More items...•

How many years is considered a good driver?

But what does being a good driver mean? Insurers have their definition: You're good driver if you've been accident-free and violation-free for three to five years. And you can benefit from this. Insurers give you lower quotes, your premiums stay lower, and you might even get a discount.

How do you qualify to be a good driver?

Have a valid driver's license for at least three years. If your license was revoked or suspended in the middle of a three-year time frame, you are not eligible for the discount. Receive no more than one Department of Motor Vehicles point in the last three years.

Can insurance companies offer discounts?

If you don't make a claim on your car insurance, your insurer will give you what is known as a car insurance no claim bonus. This is a discount on your future premiums, cutting down the cost you will pay for your insurance when you renew your policy. Discounts of 60% or more are possible from some insurers.

How can I lower my insurance in Ontario?

Here are some examples:Cancel Collision Coverage – not as necessary with older cars.Increase Your Deductible – the higher the deductible the lower your premiums/rates, but this will mean you have to pay more in the event of a crash.Minimal Coverage – only pay for what is required by Ontario law and nothing more.

What are good ways to save on auto or car insurance?

Simple Ways To Help You Save On Motor Insurance PremiumCompare Insurance Premiums Before Purchasing. ... Evaluate Voluntary Deductions. ... Anti-Theft Devices May Help Lower Premium. ... Forego Claims On Small Expenses. ... Do Not Let Your Policy Lapse. ... Installation of Expensive Gadgets Could Up Your Premium.More items...

What are two ways to receive a discount on your vehicle insurance?

Listed below are other things you can do to lower your insurance costs.Shop around. ... Before you buy a car, compare insurance costs. ... Ask for higher deductibles. ... Reduce coverage on older cars. ... Buy your homeowners and auto coverage from the same insurer. ... Maintain a good credit record. ... Take advantage of low mileage discounts.More items...

What factors may earn you an insurance discount?

What factors are most important for car insurance rates?Age. Age is a very significant rating factor, especially for young drivers. ... Driving history. This rating factor is straightforward. ... Credit score. ... Years of driving experience. ... Location. ... Gender. ... Insurance history. ... Annual mileage.More items...

Do high risk drivers pay lower insurance premiums?

The basic rule of insurance is that higher-risk drivers pay higher premiums for their coverage because they're statistically more likely to have a claim.

What is California's Compulsory Financial Responsibility Law?

The purpose of the Compulsory Financial Responsibility Law (California Vehicle Code [CVC] §§16000-16078) is to ensure that drivers and owners of vehicles are financially responsible for any damage or injury caused by a traffic accident, regardless of fault, and to remove financially irresponsible drivers from the ...

What is persistency discount?

Persistency discounts are sometimes referred to as loyalty discounts by carriers. They are reduced rates provided as an incentive for consecutive years of coverage with the same carrier.

What is collision deductible waiver Geico?

What is the California Deductible Waiver? If you carry collision coverage on your car, then you may be eligible for the California Deductible Waiver. With this waiver, your insurance company will pay the collision deductible on your car if an uninsured driver causes an accident.

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 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.

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 much does a speeding ticket increase your insurance premium?

According to Eric Madia, auto product vice president for Esurance, "having a speeding ticket can increase your annual premium from 5 to 20%. In some cases, it's a pretty big pop to your insurance premium.".

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 does it mean to be aware of other vehicles?

Being aware of other vehicles, cyclists and even pedestrians can mean the difference between a safe day out on the road and an accident. Check your mirrors often and keep an eye on the road several vehicles in front of you, which will help you anticipate unexpected stops.

Where are the AARP Smart Driver courses?

The 35 locations are Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, ...

Does AARP offer discounts?

In the states where auto insurance premium discounts are not mandated, several insurance companies voluntarily provide premium discounts to participants completing the AARP Smart Driver course. *The State of New Mexico prohibits AARP from offering the course to participants under the age of 50.

What is a defensive driver course?

As I stared at the prompt above on my provider’s Potential Discounts page, the first thing I wondered was:

How long does it take to complete a defensive driver course?

As I discovered next, there are two very different types of defensive driver courses out there:

How much is the discount for taking a defensive driving course?

To get some answers, I rang up my auto insurance provider. Exactly how much could I save with a defensive driver discount, and would it be worth both a $95 check and six hours of my life spent underneath flickering fluorescent lights?

Can you still get an insurance discount by taking a one-hour course?

My provider sounded adamant that they only accepted DOT-approved (i.e., six-hour) defensive driving courses, but that didn’t match up with what I read on DriveSafe’s website.

Overall, I was totally surprised by how helpful a one-hour defensive driving course is

No offense to DriveSafe, or any other driver improvement teacher, but I kind of expected the defensive driver course to be a joke, full of obvious tips like “don’t drive on wet cement” and “don’t lick traffic cones.”

Would my provider actually give me a discount for a one-hour, online-only defensive driving course?

To find out, I emailed my DriveSafe certificate of completion to my provider and held my breath. A week later, this appeared on my dashboard:

Summary

Even if my defensive driver discount wasn’t a lifetime perk, I’d gladly do it again every three years – not just for the savings, but to help me stay sharp on the road.

What is defensive driving discount?

Remember that a defensive driving discount is only one of many discount and savings opportunities available to insurance shoppers. If you want to reduce your rates, comparing quotes for the lowest price on auto insurance may be just as effective.

What insurances offer defensive driving classes?

Popular choices for defensive driving classes are offered by the AARP, AAA, American Safety Council and National Safety Council.

What age can you get defensive driver training?

The groups most commonly eligible for defensive driver training discounts are drivers under age 25 and above age 60. People in these age groups are the most at-risk for accidents, and they have the highest insurance rates. However, some states, like New York, require insurers to offer rate discounts to drivers of all ages for taking safe-driving ...

How long does the Allstate driver training discount last?

Typically, your discount will last for three to five years, after which you can take the class again to refresh your skills and requalify for the discount.

How much is defensive driving class discount?

Many insurance companies provide discounts to drivers who take defensive driving classes, and the discounts typically range from 5% to 20% off your car insurance premium. The courses usually take four to eight hours throughout an afternoon or weekend, and they cover safety information, ...

Why do you need defensive driving classes?

In many states, driving courses are also used as either optional or mandatory parts of sentences after traffic violations . This is sometimes also called "traffic school" or "remedial driving courses.".

What is a defensive driver class?

A defensive driver training class (sometimes abbreviated to DDC) is usually taught in a classroom setting or online using text, audio and video materials.

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.

Which insurance companies offer discounts for driving school?

As mentioned, Geico and State Farm are two quality providers that offer driving school insurance discounts. Both companies earned high marks in our 2021 survey of the industry’s best insurers, and you can learn more about them below.

How much is the driving school discount?

Most insurance companies offer a driving school insurance discount that ranges between five and ten percent off your premium. These discounts can be especially helpful to teen and senior drivers who may expect higher premium costs. Final driving course discounts often depend on your state’s laws.

How to save money on car insurance?

Save money on your car insurance by brushing up on behind-the-wheel skills. Whether you’re a new driver or have decades of experience behind the wheel, if you’re safe and attentive on the road, it will play a large role in determining your auto insurance premium. Some providers even offer a driving school insurance discount if you complete ...

Why do people take defensive driving courses?

There are a few other main reasons adults and seniors take driver’s education or defensive courses, including: To receive a discount on their insurance premium. To renew their driver’s license if too much time has passed after its expiration. To change driver’s license certifications.

How can drivers cut costs?

Drivers can often cut costs by insuring multiple vehicles or bundling home and auto insurance. Good grades: Teens who get good grades or leave their cars at home when they go away to college can receive insurance discounts. Payment discounts: Car insurance companies often reward dependable customers.

What is a safe vehicle?

Safe vehicles: If your vehicle has specific safety features and is affordable to repair, you could receive a lower car insurance rate or specific discounts. Bundled policies: The more coverage you purchase from one insurance agency, the more you can save.

How much does it cost to take AARP driving classes?

Seniors can complete an AARP Safe Driving Course for $25 to $30, depending on membership status. Teen driver’s ed courses are another story. Because these driving classes include a lengthy classroom element and required one-on-one mentoring, costs can range anywhere from $200 to $800.

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