As a general rule, a safe driving course will save you approximately 10% on your insurance premiums. Some companies may offer a higher or lower discount, but the average is usually 10%. These effects are not cumulative; you cannot continue taking several courses to get more discounts. One way to receive a discount of up to 10% is to enroll in a driver education or defensive driving course.
A driver education course is especially important for teenage drivers or others who can expect high insurance premiums. Older drivers may also have the option of taking a refresher course. Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. Completing a certified defensive driving course may qualify you for a discount on your car insurance rate.
Finding an approved class to get a discount on car insurance for student drivers doesn't have to be overwhelming. Not all insurance companies will recognize them as viable courses, but for those that do, they can be an easy and affordable way to lower your insurance premiums. Talk to your car insurance provider to find out what defensive driving discounts are available in your state. The amount that driving school reduces auto insurance rates varies by insurer and policy, but can range from 5% to 15% if an approved defensive driving course is completed.
When it comes to finding affordable car insurance for young drivers, the best method is to get quotes from several providers. Depending on the auto insurance company you use, you may even be able to receive a discounted rate on the cost of the course. Drivers who take steps to improve their driving skills are often entitled to discounts from their auto insurance company, as driving more safely results in fewer claims. A student driver's car insurance discount isn't the only auto insurance discount that's available to teen drivers on their insurance premiums.
While the discount on car insurance for driving students may be the factor that encourages you or your teen to take a defensive driving course, the discount isn't the only benefit. Many insurance companies will offer discounts on your car insurance when you complete a driver's education course. For more details, ask your auto insurance agent about how defensive driving training can improve your rate. He has spent many hours helping his customers understand the insurance market so that they can find the best auto, home and life insurance products for their circumstances.