Although all U.S. states except New Hampshire have compulsory car insurance liability limit laws, they each have different rules. In fact, not every state allows insurance companies to offer discounts for defensive driving courses. Many states only allow insurance companies to offer discounts if the driver meets specific criteria. Some states apply age restrictions, making discounts available only to graduates of defensive driving classes who are 50 years of age and older. To find out if graduation from a defensive driving can help you attain the cheapest car insurance, ask your auto insurance company if they offer discounts in your state.
Defensive driving involves more than just knowledge of the rules of the road and the mechanics of driving. Classes can teach you specific driving techniques, including anticipation of dangerous situations, overcoming adverse weather conditions and recognizing the mistakes of other drivers. All of those skills reduce the risk of an insurance claim, which is why some states allow insurance companies to provide discounts to motorists who graduate from defensive-driving classes.
If the defensive driving discount is available to you, there are a number of ways that you can go about taking a course. Here are three types of courses available:
Three primary benefits sought by people attending defensive-driving courses are:
Insurance companies discount for defensive driving courses because they believe that taking these classes can improve a driver's skills, and make them more knowledgeable about accident prevention. The benefit to taking a defensive driving course is not only in auto insurance savings but also in becoming a safer, more knowledgeable driver.
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