• How to Qualify for Safe Driver Insurance

    A defensive or “safe” driving course may offer safe driver insurance discounts for some motorists. Insurers believe the skills acquired from such a course will aid greatly in daily driving, and therefore create less of an insurance risk. Not all companies will offer discounts for safe driver courses, so it is important to speak with your provider before making arrangements for instruction.

    There are a few things you may want to consider if you are going to get safe driver insurance:

    • In order for a driving course to grant a discount, it must be on a list of approved instruction sites. If defensive driving courses are offered in your state, be sure to contact your insurance provider to find out which local courses qualify for a rate reduction. Some courses are also offered online, but these may be subject to the same approval restrictions as their classroom based counterparts.
    • Insurance providers will also require some type of proof that the driving course has been successfully completed. It is vital to make sure any necessary paperwork is secured before you leave your training.
    • Some insurance companies will add discounts their policies based on a safe driving history. Generally these discounts apply after a certain accident-free time frame, meaning they take no special action to receive. When shopping, it is wise to speak with a representative to see what discount levels they offer.
    • Motorcyclists may also find completing a motorcycle safety course will net a lower monthly rate. Of course stipulations may apply from company to company, so it still may be wise to speak with your provider first.

    The discounts associated with defensive driving courses are nice, but it is important to remember that they also provide valuable driving skills. It is never a bad idea for any driver to take a refresher course.