Some insurance companies will give you a discount if you're willing to take an approved defensive driving course. However, keep in mind that this discount can only be applied to qualified drivers of a certain age, typically 50 years of age or older. Discounts for defensive drivers typically range from 5% to 10%. Some states require this discount for older drivers.
In addition, 23 states and the District of Columbia require auto insurance companies to offer insurance discounts to people who complete a state-approved driver improvement course that is taught online. For example, if you haven't had an accident in five years, Geico car insurance has up to 26% potential savings. In many states, discounts are mandatory, so auto insurance companies must offer insurance discounts to people who complete an in-person, state-approved driver training course. There are more than a dozen common discounts on car insurance, and you might not realize that you're already eligible.
AAA Auto Insurance offers a 10% discount on collision, liability and no-fault insurance premiums after completing an online defensive driving course. Check with your Nationwide insurance agent for the terms of the 10% reduction in insurance and other discounts for drivers. You can get a package discount if you insure your car with the same company you use for condo, renters, boat, motorcycle or recreational vehicle insurance. You can even send a copy of the certificate to your insurance agent to start preparing your auto insurance discount.
Your insurance company may offer usage-based insurance (UBI), which adjusts insurance rates based on how often and how you drive. While certain expenses, such as registration fees, fuel and repair costs, are out of your control, one cost you can reduce is car insurance. Auto insurance companies generally require students to maintain at least a B average and be between 16 and 25 years old. In addition, sometimes you have to proactively ask your auto insurance agent to review discounts to make sure you're getting all the savings you qualify for.
Many insurance companies offer drivers discounts on auto insurance premiums if drivers complete a defensive driving course. A multi-policy discount usually applies when buying car insurance and other policies from the same company. The package (also known as a multi-line discount) is one of the best auto insurance discounts you can get.