Yes, USAA offers a defensive driving course discount for drivers who have completed a defensive driving course and meet their state's eligibility requirements. By voluntarily taking an approved defensive driving course, USAA car insurance customers in eligible states can get a discount, though the exact amount varies between each state. Once the discount expires, drivers can renew it by taking another course.
Defensive driving courses improve your driving skills by teaching you how to handle difficult situations on the road. For example, common traffic school topics include DUI/DWI laws, the consequences of different moving violations, and how to share the road. Specific details vary between states and classes, but online defensive driving courses typically cost up to $40 and take 4-12 hours to complete.
USAA roadside assistance is worth it for drivers who are looking for basic coverage at a low price. USAA customers can purchase roadside assistance as a policy add-on for $12 to $20 per year in order to get coverage for things like towing, gas delivery, and flat-tire changes.
Locksmith services for lost keys or keys locked in the vehicle
Jump starting a battery
Changing a flat tire
Other Key Things to Know About USAA Roadside Assistance
It’s worth noting that USAA roadside assistance does not include services like battery replacement or extraction if your car is stuck in mud, snow, or water. Additionally, drivers will need to pay out of pocket for a new key or for the gas itself in the event of a lockout or refueling service call.
Since USAA roadside assistance is fairly basic compared to the roadside assistance offered by most auto clubs, it might not be worth it for drivers who want robust coverage and extra perks. Plus, if you are not already a USAA member, you’ll need to qualify in order to get USAA car insurance with roadside assistance.
USAA Roadside Assistance Reviews
USAA roadside assistance ranks 13th out of 22 companies in WalletHub’s analysis of the best roadside assistance providers. Despite its low cost, USAA roadside assistance offers only average coverage and does not allow customers to choose between multiple levels of coverage. Major insurance companies that rank above USAA include Travelers, Nationwide, and Progressive, since they offer more coverage options than USAA.
WalletHub’s USAA Car Insurance Review gave USAA 3.3 out of 5 stars, noting its low prices and many discounts. However, USAA’s customer service has received many complaints. This dissatisfaction extends to USAA’s roadside assistance, according to customer reviews. Several drivers have noted long wait times and difficulty getting in touch with a representative.
How to Decide if USAA Roadside Assistance Is Worth It
Your driving habits and budget are the most important factors when deciding if it’s worth purchasing roadside assistance through USAA. If you have a long commute or frequently take road trips far from home, USAA might not provide enough coverage for you. On the other hand, drivers who do not anticipate needing winching or long-distance towing will find USAA to be a budget-friendly choice.
If USAA roadside assistance does not offer enough coverage for your specific needs, it’s a good time to compare quotes and see if it’s worth switching car insurance providers. Otherwise, you can always maintain your USAA policy and purchase roadside assistance from an auto club like Better World Club or Good Sam. Auto clubs are generally more expensive than USAA but provide more coverage along with added discounts and perks.
A high-risk driving course is a class that teaches defensive driving and general traffic safety. High-risk driving courses are also referred to as “traffic school” or “remedial driving courses,” and they are often court mandated for drivers convicted of high-risk offenses. Good drivers looking to receive certain benefits like discounts on insurance can take similar driving courses, too.… read full answer
The courses themselves are usually run by independent organizations who have had their programs approved by the state. While the exact requirements vary between states, most programs will take a total of four to eight hours to complete. You can choose between in person and online options, and the courses will usually cost anywhere from $15 to $100.
High-Risk Driving Courses Cover:
State traffic laws
The dangers of DUI/DWI
Accident avoidance techniques
Driving and road safety statistics
When to Take a High-Risk Driving Course:
There are a few scenarios in which an individual could be required by a court to take a high-risk driving course, and each state’s program is different. If you’ve accrued too many tickets or multiple moving violations, taking the class might be a requirement for waiving a citation or extra penalties. Or if you’ve committed a more serious offense, passing traffic school could be mandated as a part of your sentence or as a requirement for reinstating a suspended license.
Although they’re often taken as part of a court mandate, high-risk driving courses can be taken voluntarily for certain benefits, too. For example, some insurance companies give discounts to drivers with good records who take defensive driving courses. In some states, the classes can improve your driving record if you have points on your license. And you can take them to simply become a better driver and save yourself money down the road by avoiding accidents altogether.
You might have to go to defensive driving school after a DUI, depending on the state and the circumstances surrounding your DUI. If you’ve had your license revoked or suspended as a result of a DUI conviction, 22 states and the District of Columbia will require you to take a defensive-driving or alcohol-education course in order to reinstate it. Even in states where it’s not required, judges can still assign defensive driving classes to first offenders as an opportunity to reduce the DUI to a lesser charge or reduce the fines. … read full answer
Defensive driving courses can be taken in person or online, and usually cost between $15 and $100. Basic classes take 4-8 hours to complete, and cover topics including the effects of alcohol on your driving, the dangers of impaired driving and how to avoid situations that could lead to DUI.
How Defensive Driving Classes Help You After a DUI
Reinstating a Suspended License
Several states including California and Texas automatically suspend your license after a DUI conviction and require defensive driving classes to reinstate it.
Reducing Points on Your License
Point reduction systems are available in states like Alaska and Indiana, which allow you to take a defensive driving class to remove points from your license after a DUI conviction.
Reducing or Dismissing a DUI
In states where it isn’t mandatory, a judge could still offer defensive driving classes as an option if the DUI is your first offense and no one was injured. If the course is successfully completed, the charge could be reduced to wet reckless driving, which doesn’t carry as much weight as DUI.
If you’re not required to take defensive driving by the state, there are several factors that a judge will take into account when deciding whether or not to offer it as an option to reduce your penalties. If your blood alcohol level heavily exceeded the legal limit or you’ve had a previous DUI conviction, you’re far less likely to receive any leniency. And if you caused an accident that resulted in serious injury or death, expect to face severe criminal penalties.
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