How much will defensive driving lower insurance?
Defensive driving is a great way to improve your skills on the road and reduce the risk of accidents. Many insurance companies offer discounts to drivers who complete a defensive driving course, but the amount of savings can vary. On average, completing a defensive driving course can lower your insurance premiums by around 5% to 10%.
There are several factors that can influence how much defensive driving will lower your insurance. These include your driving history, the insurance company you are with, and the state you live in. Some insurance companies may offer higher discounts for completing a defensive driving course, while others may offer lower discounts. Additionally, some states require insurers to provide a discount for completing a defensive driving course, while others do not.
Overall, defensive driving can be a cost-effective way to lower your insurance premiums and improve your driving skills. It is important to check with your insurance provider to see what discounts are available and how much you can save by completing a defensive driving course.
FAQs:
1. Will completing a defensive driving course automatically lower my insurance premiums?
Completing a defensive driving course does not guarantee a lower insurance premium, but it can increase your chances of receiving a discount from your insurance provider.
2. How long do defensive driving discounts last?
Defensive driving discounts typically last for a few years, but the exact duration can vary depending on the insurance company.
3. Are all defensive driving courses eligible for insurance discounts?
Not all defensive driving courses are eligible for insurance discounts. It is important to check with your insurance provider to ensure that the course you are taking qualifies for a discount.
4. Can I take a defensive driving course online to receive a discount?
Many insurance companies accept online defensive driving courses for discounts, but it is best to confirm with your provider before enrolling in a course.
5. Will a defensive driving course remove points from my driving record?
While a defensive driving course can improve your driving skills and reduce the risk of accidents, it typically does not remove points from your driving record.
6. Can I take a defensive driving course if I have a poor driving record?
Yes, you can still take a defensive driving course even if you have a poor driving record. It may help improve your skills and potentially lower your insurance premiums.
7. How often can I take a defensive driving course for a discount?
Most insurance companies only allow drivers to receive a defensive driving discount once every few years. It is best to check with your provider for specific details.
8. How much does a defensive driving course cost?
The cost of a defensive driving course can vary depending on the provider and location. On average, courses can range from $20 to $100.
9. Do all insurance companies offer discounts for completing a defensive driving course?
Not all insurance companies offer discounts for completing a defensive driving course. It is best to check with your provider to see if this discount is available.
10. Can completing a defensive driving course lower my premiums if I am a new driver?
Completing a defensive driving course as a new driver can demonstrate responsibility and potentially lower your insurance premiums, but the exact savings can vary.
11. Will completing a defensive driving course impact my coverage options?
Completing a defensive driving course typically does not impact your coverage options, but it can lead to lower premiums and potentially better rates.
12. Is defensive driving worth it if I already have a clean driving record?
Even if you have a clean driving record, completing a defensive driving course can still be beneficial in terms of improving your skills and potentially lowering your insurance premiums. It is always a good idea to invest in safe driving practices.