Auto Insurance Guide:Get an Education and Get a Discount on your Car Insurance!
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Want to discover a lesser-known discount that you just may be able to receive on your car insurance?… Take a defensive driving course.
Each state in the U.S. has different laws when it comes to car insurance. Some states require that auto insurance companies offer a discount to consumers if they complete a “defensive driving course.” In some states, the discount must be offered to all drivers, in some states it is offered only to drivers over a certain age, and in some states it is not offered at all.
For example, in Texas, most auto insurance companies will grant the participant of a Texas online defensive driving safety course a 10% insurance discount that is valid for next three years.
Taking a defensive driving course may be much easier than you think. Although how you take the course varies by state, it’s very likely you can just complete the course on-line, in the comfort of your own home.
The main objective of a Defensive Driving Course is to train drivers in collision prevention techniques while promoting an attitude of mutual understanding, courtesy and cooperation on the road.
A typical online course offers an interactive learning environment where students analyze real driving situations, spot driving hazards, and identify the correct defenses.
The course doesn’t have to be expensive. You can shop around and probably find a qualified course for around . If you’re finding prices much higher than that, then keep looking. And if you are over a certain age (this will vary by state too), you may qualify for a discounted rate on the course.
The primary driver of the automobile must take the course. So if a husband and wife have two cars, they both must complete the course to get the discount on both cars.
If you want to find out if you are eligible to receive a discount on your car insurance for taking a defensive driving course, contact your insurance company and ask them. Find out the age requirements and if the course is offered through their company, and if so how much they charge. When you have completed the course, follow up with your insurance company and make sure they have applied the discount. When each insurance bill comes in, check it to make sure you are getting the discount each and every time.
In addition to saving you money on your auto insurance, a driver’s education course is the perfect refresher for new adult drivers, experienced drivers, and even senior drivers. In addition to saving you money, it just might save your life. Nearly 40,000 people die on America’s highways and each year, there are more than 2,300,000 disabling injuries as a result of a collision. In fact, one out every NINE licensed drivers will have a collision THIS YEAR! We could all use a little education to bring down those statistics, don’t you think?