Knowing how to drive is a very important skill, but unfortunately driving comes with some added costs. Outside of the costs of a car itself, you also need insurance. This can really hit your family budget hard, especially if you have multiple cars and multiple drivers. One way you can save money on car insurance is through safe driving courses. Attending traffic school tells an insurer that you are serious about driving safely and you know how to do it.
Don’t just book yourself into safe driving courses hoping to get better insurance though, as not every insurer – or indeed state – provide discounts for attending . You should also find out what the discount is, to make sure that it would be worth paying the costs of attending a driving class.
Does Attending Driving School Decrease Car Insurance Rates?
If you are attending a state-sponsored driving school, then there’s a good chance you can . This isn’t guaranteed though. You should still ask your agent if they would offer you a discount. They may be willing to offer different discounts, such as homeowner discounts, safe driver discounts, and good student discounts. They may not ask you or bring these discounts to your attention, so you have to be sure to ask them.
Will Attending Driving School Reduce Insurance for Teen Drivers?
If you have a teenager that is coming up on driving age, you might be worried about the cost of adding them to your insurance. Teenagers are the most expensive group of people to insure because their inexperience makes them more likely to have an accident.
One way parents can offset these costs is to make their teen attend traffic school. There was a time when parents would be solely responsible for teaching their children to drive, but now teens are able to take driving classes from qualified instructors at high school. Even if they can’t attend driver’s ed at school, they should be able to find a good driving school.
These education courses are so great because they teach learners defensive driving techniques that help them drive better and avoid accidents. After they take – and pass – an education course, their parent can ask for a car insurance discount.
Does Attending Driving School Decrease Car Insurance Rates in my State?
There aren’t any laws that mandate the discounts an insurance company has to offer for any state. Whether you get a discount, and how much is discounted, depends entirely on your insurer. Be sure to ask them outright if you qualify for a discount by going on a driving course. There’s no harm in asking, and it could be the only way you ever find out. They can also tell you about any other ways you can keep your vehicles and family protected.
What Other Discounts can Drivers Get?
Car insurance companies will generally offer a range of discounts to customers. No matter what, you should find that you can get at least some kind of discount if you ask.
The most common discounts available are multi-policy discounts, accident-free discounts, multi-car discounts, long-term policyholder discounts, good student discounts, car safety discounts, and anti-theft discounts.
Most drivers will qualify for anti-theft and car safety discounts as safety features are standard with just about every new car. Having car alarms, anti-lock brakes, seatbelts, and airbags can all qualify you for a potential discount in your car insurance.