You can get a driver education discount for car insurance by completing a driver's education course. Four of the 10 largest insurance companies offer a driver education discount, though exact requirements and discount amounts vary.
Driver Education Discounts by Car Insurance Company
To get a driver-safety-course insurance discount, start by finding and enrolling in a course approved by your insurance company and state. Upon completing the course, which will likely cost around $30 and take four to eight hours, notify your insurance provider and watch your next premium drop by up to 20%.… read full answer
Voluntary; 55 years old minimum; not involved in an at-fault accident or convicted of a traffic violation; no driver's license suspension for the past 3 years; no commercial vehicles unless there is a regularly assigned principal operator;
Finding an Approved Driver Safety Course in Your State
Driver-safety-course insurance discounts vary widely by state and company, so make sure that you are eligible based on your age and driving record, and confirm your chosen course is approved. Certain states allow online classes, while others require that a course be partially or entirely completed in a classroom. Some insurance companies also have affiliated courses that you can take at a lower price.
Driving courses can cost up to $100, so talking to your insurance agent will ensure you get the best value for the money. The amount you save on your premium will usually exceed the cost of a course, however, since you might save 5% to 20% annually depending on your state and insurer. Additionally, if you belong to a group like AARP or AAA, your membership might entitle you to a cheaper driving course affiliated with the association.
If you’ve already taken a driver safety course but the discount has expired, you should be able to take another course if it’s been three years or more. Some states even offer shorter renewal courses if you’ve already taken the class once.
Court-Ordered Driver Safety Courses
States with driving points systems might allow you to erase points and citations from your driving record by taking an approved driver safety course. After a serious conviction, a course is mandatory in some states.
However, taking the course because of a court-order usually disqualifies you from receiving a discount for completing it. Similarly, some states may not allow you to receive an insurance discount if you have a DUI on your record or have filed an SR-22 with the state. But taking a course in order to have a citation removed is still good for your wallet because it helps your driving record, thereby preventing future premium increases.
Regardless of the direct insurance discount, any driver safety course, if taken seriously, will help your insurance premium indirectly by lowering your risk of causing an accident.
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
Completing a Geico defensive driving course qualifies drivers for a discount of up to 5% or 10% on their Geico car insurance premium. Geico-approved online defensive driving courses cost $14.95 to $24.95, depending on the provider and your state of residence.
In general, Geico defensive driving courses improve students’ driving skills by teaching them how to react effectively in hazardous situations. Main topics include how to drive in bad weather and on wet or icy roads, how to correct course if you lose control, how to veer off the roadway safely, and how to react if something crosses into your lane suddenly. Courses also cover the dangers of road rage, speeding, aggressive driving and driving under the influence.
Geico’s defensive-driving course discount is available in most (but not all) states, and rules and qualifications vary. Geico has a convenient directory to help you learn more about the defensive driving requirements in your state.
If you already have a course in mind, check with Geico to see if that course will qualify you for the discount. You can also find an approved Geico defensive driving course, and learn how to sign up, through the National Safety Council or the American Safety Council. Many states offer the option of taking the course online rather than in a classroom.
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