Defensive Driving Courses and Their Effect on Auto Insurance Rates
Driver errors are by far the main reason for the majority of road accidents. For this reason it is of vital importance not only to drive in a safe and responsiblemanner, but also to work on building the skills on how to be a “defensive driver”. That way you will gain awareness of your surroundings and will know how to react when others on the road tend to drive in a hazardous manner.
Completing a Defensive Driving Course can teach you how to improve your driving skills and limit your risk of a collision. It can also reduce up to two points from your driver record and receive a discount on your insurance. With online auto insurance quotes, you will have all the access you need to the best policy on the market.
If you want to take the course to reduce driver points off of your license, you can start by checking with your local Department of Motor Vehicles (DMV) as regulations vary from state to state. For example, in New York you can reduce up to 4 points for completing a defensive driving course while Michigan state normally does not offer point reductions for taking a traffic course.
There may be restrictions on which tickets are eligible for reduction and/ or if drivers qualify for the discount at all. For example, the Texas DMV lists that traffic violations committed by commercial drivers are ineligible for dismissal after completing a defensive driving course; so if you own a CDL in Texas you will not qualify.
You may also be limited to the number of points and frequency that you can qualify for the reduction. Each state has its own rules and regulations, of course, so checking with your local DMV is essential.
This is a short insight on how Defensive Driving Courses can affect auto insurance rates. More information about this and more on our website – click here to visit!
