Lowering Insurance Rates with Defensive Driving
It can and in a lot of instances it does. However, each insurance company has different policies on how to best reward defensive drivers. Some companies do not give discounts so it is best for your to check with your agent to verify. In most cases insurance companies like to see drivers taking defensive driving courses since it has been proven that a refresher or the extra education will reduce your likelihood of getting in an accident.
These are some links to a few major companies and their pages regarding defensive driving.
Geico –
http://www.geico.com/information/states/tx/defensive-driver/
Texas Defensive Driver Discount
If your policy is rated for the state of Texas, you could save up to 10% on applicable coverages by taking a defensive driving course…
In Texas, you may be eligible for this discount if:
You have voluntarily completed a Defensive Driver Course, Professional Driver Course or Instructor’s Course approved by the Texas Education Agency (TEA), including the State Board of Education or the Commissioner of Education, the National Safety Council and/or the American Safety Council, and your auto insurance ID card indicates
Progressive –
http://goo.gl/gddifL
Couple of questions — first, do you offer a discount for completion of a safe driving/defensive driving course? Second, is the ‘snapshot’ discount available to existing policy holders, or just new policies? Thank you for your assistance.Posted on 1/21/2011 at 3:39 PM by Brian@Brian, Yes to both of your questions. In some states, we offer a driver improvement/accident prevention course, and Snapshot is available to existing customers, as well as new customers, in most states. You can enroll online, by logging into your policy, or by phone.Posted on 1/28/2011 at 9:57 AM by Progressive
State Farm Insurance –
http://goo.gl/NkouYZ
Defensive Driving Course Discount
Save up to 5%. Depending on where you live, taking a driver safety course may help you get a discount. Check with your local State Farm agent for a list of qualifying courses and requirements
Of course this is not a complete list, but you get the idea…most companies would be more than happy to give a discount if you show the intent of being a safer driver. Our mobile defensive driving course (can also be taken from a regular PC/Mac) is approved by the Texas Education Agency and officially recognized valid in the entire State of Texas.
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