Among the insurance companies that offer discounts for defensive driving are State Farm, Geico, and Farmers, although most insurance companies will opt to incentivize their policyholders with discounts for taking defensive driving courses. These courses will help drivers get a refresher on driving laws, improve their behavior while driving, and sometimes even help remove points or violations from their driving records.
Popular Companies Offering Defensive Driving Discounts:
Drivers who take an approved accident prevention course.
Other popular insurance companies such as Progressive, Allstate, or Liberty Mutual will only offer defensive driving discounts in states where they are required by state law to offer them. There are, of course, other companies that also offer their policyholders a defensive driving discount or a similar discount, so you should always ask your agent if you're interested in adding this discount to your policy.
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
Progressive does not advertise a defensive driving discount on its website, but you may still be able to get one. Progressive may lower your rates by about 5% if you complete an approved defensive driving course and meet certain qualifications. You may need to be a certain age, have a clean driving record, take the course voluntarily (not by court order), or meet other state-specific criteria to be eligible. You’ll have to speak to a Progressive representative directly to find out the rules where you live.… read full answer
Most defensive driving courses can be completed online and cost between $15 and $40. Live classes can cost as much as $100. But the cost could be worth it since you’ll get a discount for three years, in most cases. At that time, you should be able to renew the discount by taking the course again.
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 … read full answerdiscount 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.
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