To get the AARP driver safety course insurance discount (up to 15%), pay $21.95 to enroll in the AARP SmartDriver course online, complete the course within 60 days and pass the final test. The online course takes four to eight hours to complete, depending on the state. AARP then provides an electronic certificate that can be sent to insurance companies as the proof needed to qualify for a discount.
The District of Columbia and 23 states require insurance companies to provide a discount to drivers of a certain age who complete an approved driving course online. Another 13 states require the discount for classroom courses, too, but AARP has cancelled all of its classroom courses through 2020 due to the coronavirus pandemic.
Some insurance companies will provide a discount even if it’s not required by law in your state, since drivers who have completed a driver safety course are considered lower risk. But even if you don’t receive an insurance discount, taking an AARP driver safety course can help decrease your insurance costs in the long run if it makes you a better driver.
To get a defensive driving discount, check your state and insurance company requirements, then take an approved online or in-person defensive driving course, and give the insurance company a copy of your completion certificate. Six of the 10 largest car insurance companies advertise defensive driving discounts on their websites, as do many smaller insurers. In addition, 34 states and Washington, D.C. require insurance companies to provide a defensive driving discount to eligible drivers.… read full answer
A defensive driving discount usually ranges from 5% to 20% and is generally applied each year for three consecutive years. You can renew the discount after three years by taking the defensive driving course again. Class prices can vary widely, but most online defensive driving courses cost between $20 and $40.
Defensive driving classes focus on avoiding collisions and handling challenging situations on the road. They are usually intended for experienced drivers who haven’t taken drivers ed in a while. In some states, you might need to be 50, 55, or 65 years old to qualify for a defensive driving discount. In others, drivers may be eligible starting at age 25, or even at any age.
You may not qualify for a defensive driving discount if you have a recent at-fault accident or violation on your driving record, although you can still take a course for learning purposes. Similarly, defensive driving classes may be ordered by a court in response to a driving conviction such as speeding or reckless driving. And in some states, you may be able to erase a ticket from your record by taking such a course. These court-mandated classes might not result in a premium decrease the way a voluntary one would, but they can prevent your premium from increasing as a result of your citation.
The best alternative to AAA roadside assistance is a motor club membership with Better World Club, Good Sam Club, or Allstate Motor Club. Another good alternative to AAA is purchasing a roadside assistance add-on from a traditional car insurance company, especially an insurer that offers multiple plans.
For example, insurance companies like … read full answerNationwide and Travelers offer different levels of roadside assistance coverage to choose from. Similarly, auto club competitors, including Better World Club and Good Sam Club, offer several coverage options. Drivers can find protection comparable to AAA by comparing the coverage limits of a competitor plan with their desired level of AAA membership.
AAA costs vary by region, and each level of membership comes with different benefits. Roadside assistance from an insurance company is usually less expensive than AAA, but it often provides less coverage. For instance, AAA includes benefits besides roadside assistance, like discounts with affiliated companies, identity theft monitoring, and trip interruption coverage.
It’s also worth noting that AAA ranked below many competitors in WalletHub’s roadside assistance study because it has a large number of unresolved customer complaints. For more information, check out WalletHub’s study of the best roadside assistance plans.
Progressive is cheap because it offers a variety of discounts and equips consumers with advanced tools to get the best rates. Progressive’s price comparison tool allows shoppers to compare their Progressive quote against competitors’ rates all in one place, for example. Progressive also offers the Name Your Price® tool, which lets customers state their desired price for car insurance and offers a range of coverage options that fit their budget. Progressive Snapshot® uses your smartphone or a plug-in device to reward safe driving and personalize your rates, too.… read full answer
Progressive also has a lot of discounts—99% of policyholders qualify for at least one of them, according to the company. Almost anyone can get a discount for getting an online quote, signing paperwork electronically, or going paperless, for example. Students, homeowners, and even expensive-to-insure teens can also get discounts. Plus, Progressive rewards customer loyalty with discounts for insuring more than one car or getting multiple policies, like home and auto.
Progressive is ranked 17th for the cheapest car insurance according to WalletHub's 2021 review. Its main competitors in terms of price and market share are Geico and State Farm, but WalletHub’s comparison shows that Progressive is usually the cheapest of the three.
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