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 car insurers. Secondly, you avoid accidents and that keeps a clean driver 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 defensive driving is learned by experience and awareness, courses offered around the country teach drivers in little more than just getting behind the wheel and roaming around. There are many methods of safe driving which the majority of drivers today do not know about.

Driving defensively can minimize your chance of an accident wherever you are. Rebates are available in majority of states and drivers generally take safe driving courses because they are ordered by a court due to reckless driving, too many tickets or driving under the influence of drugs or alcohol. Motorists can avoid careless driving ticket insurance increase by taking this course.

Car insurance savings after a defensive driving course can be between ten to twenty percent on basic liability premiums. And generally available to drivers 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. Carriers realize how much drivers learn from taking the courses.  Studies have shown that over ninety percent of drivers learn things they have never knew from the courses.

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

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

The real premium cuts come from staying accident free for a while. That implies drivers must do lots more than take a class. They must prove that they know how to drive safely. 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 automobile insurance firms. It satisfies the judges and stops a rise in insurance premiums. 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 accident within two years can also cause insurers to raise eyebrows and label you a risky driver. Drivers 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 driving too slow and driving in another motorist’s blind spot. A good program teaches you not only the easiest way to drive correctly but to put yourself into a position where you are not as exposed to get into an accident.

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