UPDATED: Aug 19, 2020
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Do you know how to drive defensively? Sadly, most drivers don’t. What’s even more unfortunate is the fact that Defensive Driving curriculum is rarely ever incorporated into most state-mandated Driver Training schools. And driving aggressively doesn’t just increase your likelihood of getting into a dangerous accident — it can increase your insurance rates, too.
However, taking a Defensive Driving Course at your local DMV or licensed agency can get you lower monthly premiums. When you take a defensive driving class, you’ll get a refresher lesson in basic driving laws in your state, as well as tips, tricks, and strategies for avoiding accidents behind the wheel. With the help of a defensive driving discount, you could save around 10% or more on auto insurance coverage options like:
- Collision coverage
- Liability coverage
- PIP coverage
- Medical coverage
Read on to learn all about defensive driving discounts. If need to compare auto insurance rates, use our FREE comparison tool now.
How a Defensive Driving Discount Can Save You Money
Here’s an example: imagine you’re paying around $83 per month for your insurance policy. If you qualify for a defensive driver discount, that 10% savings could add up to almost $100 each year! Another note worth mentioning is that if you aren’t the only person covered on your auto policy, you can save even more. Getting all of the drivers on your policy to take a defensive driving course can make you eligible for additional discounts.
Defensive Driving Courses are most common among drivers who have recently received a traffic ticket for engaging in some sort of aggressive violation, such as speeding, running a red light, or failure to yield. If you’ve had a recent ticket, you might be able to take a defensive driving course in order to keep your insurance rates down. But choose your timing wisely, because most insurance companies will only let you take advantage of this once every 12 months.