Fortunately there are some ways for drivers to reduce the amount of money they spend to insure their rides. From discounts for being a safe driver to discounts for garage kept cars and cars with airbags, there are literally dozens of ways to save money without sacrificing the coverage you need.
One of the most intriguing and effective ways to save money on your car insurance while reducing your risk of being in an accident is by enrolling in a defensive driver course. Defensive driver courses are effective precisely because they teach drivers the skills they will need to avoid an accident in real world situations.
For many drivers, decades have passed since they first learned to drive, and it is a safe bet to say that the environment in which those older drivers first got behind the wheel bears little resemblance to what we see on the roads today. There is much more traffic these days, many more tractor trailers, SUVs and other large vehicles, and many more distractions. Learning to deal with those new challenges is what a defensive driver course is all about.
Many car insurers feel so strongly about the value of defensive driver courses that they put their money where their policyholders are, providing substantial discounts to drivers who successfully complete such a course. In many cases drivers can recapture the cost of the course, and then some, just by taking advantage of these available discounts.
When you also consider that these courses can help you avoid filing a claim by helping you avoid and deal with dangerous situations, it is easy to see why there is such a big payoff for both the driver and the insurance company. In fact many insurance companies have even begun to offer discounts to teen drivers who successfully complete such a course, as well as the discounts available to older drivers who go through the same type of training.
In most parts of the country finding a defensive driving course is not hard. One of the best places to start your search is the AARP website. The AARP organization is dedicated to helping older people, with defensive driving courses and other training to keep them safe behind the wheel. Even if you are not yet old enough to have an AARP card of your own, you can still use their website to find a defensive driving course in your area.
Also check with your local high school about defensive driving courses. Many school districts have outsourced their driver training in an attempt to save money, and those school districts often partner with local driving schools who provide everything from basic behind the wheel training to more advanced courses for winter driving, defensive driving and other skills.
Once you have found what you feel to be a suitable course, be sure to contact your car insurance company and ask if the course meets their requirements. Not every course will qualify for the defensive driver discounts, so it is important to check before you pay for the course. After you have successfully completed the course, check with your insurance agent or representative to find out how you can get credit – and any applicable discounts – for being a defensive driver.