About Defensive Driving
Defensive driving courses teach motorists principles and techniques that will make them safer and better drivers. It includes training to recognize dangerous situations and drills so that you know instinctively how to handle potentially catastrophic scenarios.
The classes don’t take too long—you can complete one in less than a week doing a couple hours a day. At the end of the course, you will get a certificate that represents a pretty big payoff.
In some places, you have the option of taking a defensive driving course, rather than getting points on your record for minor traffic violations. This in and of itself will save you a ton of money on auto insurance quote.
Some places even let you do this multiple times!
Ask the police or traffic court if this is an option for you. Usually, you have to do it right after you get the violation, not later. But there are some cases in which people have removed old violations by taking a defensive driving course.
It varies insurance provider to insurance provider, but most auto insurance companies offer a generous discount for people with defensive driving certificates. If you want a specific number, call your auto insurance provider and ask an agent.
You might even want to consider asking about this discount before you sign any auto insurance agreement next time you are looking.
If you can invest the time, it makes complete financial sense given that the defensive driving discount saves you a lot more than the class costs.
Online Defensive Driving Courses
Yup, you can take a defensive driving course at your own pace, on your own schedule, from your own home, right over the internet.
There are many benefits that come with taking a defensive driving course online:
• More convenient
• Don’t have to drive!
There are also some downsides:
• Limited by your internet connection. Long loading times mean it could take longer.
• You can’t ask questions and get answers.
• People don’t learn as well from the internet as they do in person.
Where to Find a Course
Your state department of motor vehicles or the police have to approve of the course. If the school is not accredited by the state, your defensive driving certificate will not be recognized. If you are going to go the online route, make sure that the site is recognized by your state.
Community colleges are a great place to find defensive driving classes.
Today’s family budget is tighter than it ever has been before as we are in the height of a global recession. When it comes to driving, the family budget is stretched even further if there is more than one driver in the family. Whether you are adding a teen driver to your budget this year, or even an elderly family member, we help you cut the costs to your family auto insurance budget with these handy tips. Follow these steps today and you could be saving money on your family auto insurance in just a few minutes!
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The first thing you need to save on auto insurance for the family is all of your family paperwork that pertains to driving. You will need the vehicle information, driver’s license, and insurance history for every driver in the family. These are the three most important factors that will determine the auto insurance quote for your family.
The best way to save money on auto insurance for the family is to comparison shop to see which insurance company can give you the best deal. The more drivers you have in your family the more time it may take, and the more expensive it will be. Insurance history and driving record are important variables in determining your quotes, so if you have drivers in the family that have no established driving record (such as a teenager), or have a driver in the family with a history of claims (such as an elderly member), then you may see some hikes in insurance, but there are ways around this.
Combining policies today is the easiest and least expensive way for families to save on auto insurance. You can do this a number of ways, you just need to find the insurance provider that is willing to work with you. If your family needs to carry home and life insurance as well, many insurance providers today are giving discounts to families that combine their policies with the same company. This lets you do all of your insurance shopping with one company, and keeps all of your information in one safe place. Many American families today are seeing budget cuts on their own bottom line by following just this method.
But there are more ways to save. If you have a driver with a history of claims or no insurance history, you can help them establish their insurance history by going on your own policy as a secondary driver. This cuts your insurance costs considerably as primary driver insurance will always be more expensive.
In addition to these types of discounts, you can also ask your potential insurers for other discounts such as good student discount, driver’s education discounts, and sometimes even no claims discounts. Every insurance company is different, but you will never know how easy it is to cut those auto insurance costs for the family if you don’t shop around. Search and compare different auto insurance companies to see which insurance company is most willing to meet the needs of your family!
If you’ve ever compared auto insurance rates across insurance companies or compared hours against a friends you might be feeling like auto insurance quotes are randomly generated. In fact, there is a lot of science behind a auto insurance quote.
Auto insurance companies are businesses, which means they are in it to make money. The more cars they have to repair or replace and the more medical bills they have to pay, the less money that is in their pockets. Therefore, insurance companies prefer to have the safest drivers insured through their company.
Most people think of safe driving as not getting into an accident and nothing else. This isn’t good enough for an insurance company. They spend a lot of money conducting research to find out, according to statistics, which factors make a person a more risky driver. Better yet, they simply want factors that are correlated with risk – it doesn’t even need to be directly related!
All of this research and statistical data goes into a formula, which calculates your premium. Insurance companies conduct their own research, so everyone’s numbers will be slightly different. Insurance companies also weigh factors differently. This is why you see such dramatically different results across insurance companies and individuals.
Here are some of the most common factors insurance companies look at when determining your auto insurance quotes:
Driving record – this one is the most obvious. If you’ve gotten into multiple accidents or have received a few traffic tickets, you are considered a risky driver. Keeping your driving record clean and taking driver’s education classes can help prove you are a lower risk.
Your address – where you live and where you park your car can affect your rates. Highly populated areas have more people, which means a higher chance of getting into an accident, having your car stolen, or having your car vandalized. If your car is parked in a garage or has an alarm system you might be able to get a discount.
Miles driven per year – the more you’re on the road, the more chances you have of getting into a wreck. Insurance companies usually want to know how far you drive to work or school each day, and how many miles you put on your vehicle annually.
The type of car you drive – certain cars are statistically involved in more accidents and thefts than other cars. Driving a safe vehicle with the latest security features is a great way to save money on your auto insurance.
Age, sex, and martial status – people who are young, men, or single are statistically more risky than older, female, and married drivers.
As you can see there are a lot of things that go into auto insurance quotes. Some factors are under your control and others are not. Your best bet is to simply be a good driver and make safe choices. Anything you can do to prove you are low risk can help!
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