Because insurance companies factor in driver risk when determining rates, taking a defensive driving program will put you in a lower risk category and thereby help you take advantage of more affordable insurance rates. Defensive driving courses are designed to help the driver develop lifetime safe driving habits and reduce vehicle collisions and accidents. Students learn to recognize a hazard, understand what defensive driving technique to employ, and then employ that technique before an accident occurs. There are a number of organizations, privately run programs, and government agencies that offer defensive driving programs. It is important to check with your insurance company to see if they have a list of preferred driving schools to ensure you get your discount. There are programs available in all states of the USA and the price can vary, but they normally range from 20 to 30 dollars. By completing the program, you can receive up to a 10% discount on your auto insurance premium. You will have to provide your insurance provider with the certificate of completion before receiving the discount. Depending on the provider’s terms and conditions, the discount can be applied for up to three years or more. In addition, many states offer drivers a driver safety course to reduce fines and demerit points. As well, many insurance companies will provide a set demerit point credit on your driving record so that you can reduce the number of demerit points applied to your driving record.

Practicing defensive driving techniques is an important part of being a responsible road user. Not only does defensive driving make you a better and more conscientious driver, it can also help you get a discount on your insurance. In these difficult economic times, most people would love to take advantage of affordable insurance rates.