Does Defensive Driving School Reduce Insurance Premiums?

May 31, 2012

Enrolling in a defensive driving school is a great way to get cheaper insurance. Find out how a typical defensive driving course works.

Defensive Driving

One of the easiest ways to reduce your insurance premiums is to take a defensive driving course. Almost all of the major insurance companies offer such a discount. Defensive driving courses are easy to take and are fairly inexpensive, so it makes sense to take advantage of the discount.

Taking an approved course can result in discount of 10 to 20 percent. If there are points on your license, in most states you can only take a course like this for point reduction every 1.5 to 5 years.

Teen Drivers
Teen drivers are very expensive to insure. One of the best ways to lower their premiums is to complete a defensive driving class. These classes also help young drivers become safer on the road.

Online Courses
Many states and insurance companies allow you to take a defensive driving course online. Check with your insurance company to verify they accept certificates from online schools before signing up. I Drive Safely and DefensiveDriving.com are a couple of the more reputable sites.

Costs
The majority of online course cost between $25 and $75. Search around for the best deal possible but also keep in mind that the cheapest option is not always the best. Before you spend any money, check with your insurance company to make sure they recognize the school as a legitimate supplier.

Certificate of Completion
All insurance companies will require a copy of the certificate of completion, so make sure you get one as soon as your complete the course. Many online schools will fed-ex the certificate to you when you finish the course for an additional fee.

Driving Schools
You can also attend a defensive driving course at a local driving school. These courses provide written and practical instruction. Such classes tend to be more expensive but provide more in-depth training.

Check with Your Local DMV
If you've been court-ordered to attend defensive driving school, your paperwork will likely include a list of approved schools and locations in your local area. Even if you're just electing to take a course to improve your situation, your local Department of Motor Vehicles should be able to give you access to this list of schools. Most states have certain requirements for which schools you can attend. Your local DMV should also be able to tell you how defensive driving school will be beneficial to you. You may not be able to erase a ticket, but most states allow you to periodically attend a class for the purpose of erasing up to 2 points from your driver's license.

Related Questions and Answers

What is the Average Auto Insurance Premium in the U.S.?

The average auto insurance premium in the US, according to the USIAA (United States Independent Auto Assurance), a nationwide company with branches in all 50 states, ranges from a low of $665 to a high of $940, for budget-based insurance. In other words, USIAA, like GEICO and Progressive, are basically large group insurance companies that bring you the benefits of group coverage, provided you have an excellent driving record, and if you meet other requirements that could include a clean credit history. In general, though, you will find that most car insurance actually runs between $1,500 and $6,000 depending on the number of young people you have insured on your policy and the number of points that they may have accumulated. Also, if you have any performance vehicles, your rates will be higher.

Where can I find Defensive Driving Test Answers?

The defensive driving test answers usually are available from each school in one way or another. Generally, by downloading their course materials, supplied as PDF files, you will find the answers to the questions you are seeking. Indeed, there is a whole school of thought in training that believes that open-book training, rather than rote learning is the best way to handle things like defensive driving training. The reason is that if you are asked a question for which you don't know the answer, but for which you can find the answer, you are far more likely to remember the answer in the future and if you are faced with a similar situation, then you will remember it and it will stay fresh.

Are there any Free Defensive Driving Courses Online?

A free defensive driving course online is offered in most states and they apply nationwide. When checked, you will find that there are more than 832,000 hits on free defensive driving schools online. Generally, these courses will take you step-by-step through the basics of defensive driving and then will allow you to work with a certified instructor in your state to pass the course. There are many schools like TicketStop Defensive Driving and online defensive driving. They offer you the same basic training and help to give you a feel for defensive driving behind the wheel.

Is Defensive Driving Education a Requirement for Getting a Drivers License?

According to the most current information available, defensive driving education is required in at least 15 states. Those states include: Texas, Nevada, New Jersey, Virginia, Oklahoma, Oregon, New York, Iowa, Kansas, Nebraska, New Mexico, Louisiana, North Carolina, Illinois and Mississippi. According to various authorities, it makes sense to have new drivers - not just teens, as this applies to any new driver, whether the driver is 20 or 60 - acquire the knowledge of and practice defensive driving. Drivers learn the proper use of brakes, signals and how to read traffic. It's a lot better than just being handed a license, keys and told to "have at it".

Which States Allow Defensive Driving Courses for Getting a Speeding Ticket Dismissal?

According to the most current information, speeding ticket dismissal is possible in many states. The following states will allow the dismissal of a speeding ticket if you take a defensive driving course. Those states are: Alaska, Alabama, Arizona, California, Illinois, Kansas, Kentucky, Louisiana, Mississippi, New Mexico, New York, Oklahoma, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wyoming and the District of Columbia. For most of these states, the court does exercise a measure of jurisdiction over the process, and if you keep coming back in taking the course, it is likely that the ticket will stick the next time through.

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