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.
You can get a defensive driving discount for car insurance by completing an approved driver's education course. Seven of the 10 largest insurance companies offer a defensive driving discount, though exact requirements and discount amounts vary.
Defensive Driving Discounts by Car Insurance Company
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 so cheap because it offers a wide variety of discounts and gives consumers tools to acheive the best rates possible, such as Progressive's price comparison tool and their Name Your Price® program. A minimum coverage policy from Progressive costs an average of $54 per month, and Progressive premiums can be made even cheaper by taking advantage of discounts such as continuous insurance discount and paperless discount. Plus, Progressive rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.… read full answer
Average Monthly Rates for Progressive vs. Top Competitors
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
Progressive is especially cheap for safe drivers in particular. That’s because Progressive has special savings opportunities for drivers in this category, such as lower rates for drivers who have not had any accidents or tickets for at least three years.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Progressive is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies.
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