A clean driving record is one of the most important factors when it comes to getting a low auto insurance rate. If you’re not happy with your current insurance costs, you might want to consider taking a defensive driving course. These classes teach drivers strategies that can help them avoid car accidents and other traffic violations. They also help drivers understand the risks and causes of accidents, as well as how to react quickly in dangerous situations.
Insurance offers a discount on insurance to drivers who successfully complete a defensive driving course. The amount of the discount varies by state and the insurer, but it is usually around 10%. Drivers can take the course online or in a classroom, and they will receive a certificate upon completion. This certificate can then be presented to the insurer to get the discount. The insurance reduction will typically last for three years. If there is more than one driver on a policy, the savings will only apply to the primary driver who takes the course.
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If you’re thinking of taking a defensive driving course, make sure to check with your insurer before enrolling. Many states have regulations about how long the courses must be, and they also may have specific requirements for the content. For example, in New York, the DMV-approved Point and Insurance Reduction Program (PIRP) or Defensive Driving course is four hours long and includes information on driver attitude and behavior, defensive driving techniques, and vehicle and traffic laws.
Also, remember that a defensive driving course is different than a driver’s education course. Driver’s ed is meant to teach teens the basics of driving before they earn their license, while a defensive driving course improves existing skills and helps drivers anticipate potential safety concerns.
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Shop Around
It’s true that shopping around for quotes can save you money on your premium, but don’t be tempted to jump from one insurer to another without checking out the coverage you’re getting in return. A new policy may not always be a better fit for you, and your frequent switches can also cost you in loyalty discounts and other perks. Instead, CR recommends reviewing your policy with an agent annually and taking into account any changes in your life that could impact your insurance needs, such as moving, getting married or having children, paying off a mortgage or becoming retired.