Saving Money on Auto Insurance with Defensive Driving Courses

Successful completion of a defensive driving course works in two ways in affording you cheap vehicle insurance rates. First of all, you get discounts just for finishing it in many states and from majority of carriers. Secondly, you avoid accidents and that keeps a clean history. Good motorists with no claims get the biggest auto insurance discounts possible which can easily halve payments.

Do you know what your “safe space” is? That was a question asked by insurance companies to those that have been driving over five years and only thirty-one percent of the people answered the question correctly. Would it surprise you to know that your side view mirrors are not in the best position?

While some say it is learned by experience and awareness, courses offered around the country teach students in little more than just getting behind the wheel and roaming around. There are many methods of safe driving which the majority of motorists today do not know about.

Being mindful of vehicles around you can minimize the possibility of an accident wherever you are. Rebates are available in majority of states and people generally take safe driving lessons because they are ordered by a court due to recklessness, too many tickets or being under the influence of drugs or alcohol. Motorists can avoid tickets after taking the lessons.

Car insurance savings after a defensive driving course can be between ten to twenty percent on basic liability premiums. And generally available to motorists over the age of 55. In several states this age limit for discount qualification reduced to 25 and there is no limit in New York.

There are some insurers that incorporate discounts in different forms no matter whether the state allows it or not because they have seen what a difference it makes. Studies have shown that over ninety percent of participants learn new things.

Attending these lessons can cost up to two hundred dollars and they generally last eight hours or longer depending on the state you are taking it. Classes cover such items as crash avoidance, slip recovery, assertive driving, speeding, tailgating and passing. Instructors go over correct strategies, and demonstrate with video and workbook exercises.

Those in the industry say defensive driving classes make people safer. However, not all vehicle insurance providers agree. They conduct their independent studies and end up not offering any discount even though it is allowed in the states they are licensed. Therefore, it is important to make sure that you find the auto insurer that gives you the maximum saving. You should always get at least three quotes before making a final decision.

The real premium cuts come from staying accident free for a while. That implies people must do lots more than take a class. They must prove that they know how to be safe on the roads. Good driving is more about staying focused all the time.

More than ninety percent of the students take the classes to avoid getting traffic tickets. In numerous jurisdictions, courts offer first-time offenders the choice to take a class or pay a fine and license point deduction. On successful completion, the record of the citation isn’t released to agencies. It satisfies the judges and stops a rise in premium. It is no big car insurance secret to know when a driver receives fewer citations and gets into fewer accidents he/she eventually pays a lower premium.

More than one claim within two years can also cause insurers to raise eyebrows and label you high risk. Motorists can obey all of the laws of the road yet still operate their automobiles in a fashion that makes them more susceptible to accidents. Examples include going too slow and being in another motorist’s blind spot. A good program teaches you to avoid collisions and put yourself into a position where you are not as exposed to dangerous incidents.

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