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%.
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.
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