Learn more about how to get a defensive driving discount on your car insurance policy by taking an approved driver safety course. As a general rule, a safe driving course will save you approximately 10% on your insurance premiums. Some companies may offer a higher or lower discount, but the average is usually 10%. These effects are not cumulative; you cannot continue taking several courses to get more discounts.
Driving is one of the most dangerous things people do every day. NSC's online adult defensive driving course helps older adults learn new skills and update skills already learned, which will help a person become a safer and more defensive driver. Mature drivers who successfully complete the course may qualify for reduced insurance premiums*. Driver education in Massachusetts is offered in public high schools and professional driving schools authorized by the RMV.
While each school has a separate license, they must meet the same criteria. These are the most common discounts among insurers and represent a significant part of consumers' savings on auto insurance rates. Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. For drivers who insure a car they just purchased, a new car discount could be offered to reduce the cost of the premium for physical damage coverage.
Since 1983, all new cars have had passive restraint systems installed by default, and insurers have offered generous discounts on airbags and seatbelts for the driver's and front passenger's seats. He grew up with insurance talks as part of his daily conversation and has studied to gain in-depth knowledge of the laws and dynamics of insurance specific to each state, as well as a broad understanding of how insurance adapts to each person's life, from budgets to levels of coverage. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. While manufacturers don't always equip cars with daytime running lights, having them could offer drivers a 3% discount on almost the entire car insurance premium (except for comprehensive coverage).
When enrolling in the policy, drivers receive a device that connects to the car's integrated diagnostic port (OBD) (standard for cars manufactured after 1999), which allows the insurer to record their drivers' data. Not all insurance companies will recognize them as viable courses, but for those that do, they can be an easy and affordable way to lower your insurance premiums. Based on data collected over six consecutive months, your car insurance company will determine if you qualify for a usage-based discount or reward program. We've seen insurers discount auto insurance premiums for liability and collision by approximately 10% or more for these good driving habits.
There are several insurance cost estimators that can be used to factor insurance costs into decisions to purchase a new car. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.