Defensive Driving Auto Discounts Can Vary State to State and Company to Company
Depending on the state you live in, a defensive driving auto discount may be available. This substantial discount (up to 15%) can be applied to various coverages in your automobile insurance policy. In most cases this discount is mandated by state law and insurance companies must honor the motor vehicle accident prevention course premium reduction.
Eligibility for the discount may (again depending of applicable state law) be tied to a certain age group, with senior citizens (50+) being the most prominent.
In most states to qualify for the discount, you must complete an initial defensive driving course and later a refresher course will also be required (in some states semi-annually). The test must adhere to your local state requirements and be acceptable to your insurance company. Even some car manufacturers are sponsoring defensive driving schools, like Kia’s B.R.A.K.E.S. program, which is now operating in four states and is completely free. It focuses on the main causes of teen crashes, including nighttime driving and distractions. Most states adapt the recommendations of the National Safety Council or the American Safety Council. (Call your local insurance agent for more details).
The defensive driving course is normally presented in a classroom situation, but some states allow online classes.
For a summary of defensive driving discounts available, contact your state driver’s license division or visit with your local insurance agent. He would be aware of which insurance companies offer a defensive drivers discount and most likely would know of a local place to obtain the needed training.
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