Progressive doesn't advertise any defensive driving discounts on its website, but you might still be able to get one. Progressive can reduce your rates by approximately 5% if you complete an approved defensive driving course and meet certain requirements. 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 need to talk directly to a Progressive representative to find out the rules of where you live.
By contrast, collision insurance covers car accidents and collisions with objects such as trees or telephone poles. Completing a defensive driving course can help you save on car insurance if your insurance company offers a discount for defensive drivers. Car insurance costs increase due to at-fault incidents, placing an even greater burden on teen drivers, whose premiums are already high. You can get a discount for driving defensively on car insurance if you complete an approved driver education course.
For drivers who have had an accident, State Farm is the best insurance company in Florida that offers the most affordable full-coverage car insurance. 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. If you have a serious accident, there is no guarantee that Florida's minimum car insurance requirements are sufficient to cover the full cost of the claim.