You can generally expect to get a discount of between 5% and 20% for completing a driver education course. You can expect the discount to be higher for teen drivers than for experienced drivers. This is because insurance companies view the driver education course as a way to teach good driving habits. One way to receive a discount of up to 10% is to enroll in a driver education or defensive driving course.
A driver education course is especially important for teenage drivers or others who can expect high insurance premiums. Older drivers may also have the option of taking a refresher course. Once you've completed an approved defensive driving course, your auto insurer can apply the discount to you for several years. If you're still eligible for a discount after that period has expired, you may be able to retake a defensive driving course to conserve your savings.
Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. Completing a certified defensive driving course may qualify you for a discount on your car insurance rate. Most auto insurance companies offer discounts because they know that young drivers who complete road training are statistically less likely to have car accidents and are therefore less likely to cost the company money in the long term. Completing a defensive driving course can help you save on car insurance if your insurance company offers a discount for defensive drivers.
Talk to your car insurance provider to find out what defensive driving discounts are available in your state. Depending on the auto insurance company you use, you may even be able to receive a discounted rate on the cost of the course. Most major auto insurance companies offer discounts to drivers who take a defensive driving course, except Progressive. Drivers who take steps to improve their driving skills are often entitled to discounts from their auto insurance company, as driving safer results in fewer claims.