Defensive Driving Courses and Car Insurance Discounts for Older Drivers
Some insurers offer a discount for drivers who complete an approved defensive driving or driver safety course. This can be of interest to older drivers. Whether a discount exists, how large it is and which courses count depends on the insurer and the state, so this guide focuses on what to ask.
What these courses are
A defensive driving or driver safety course reviews current traffic rules, safe driving habits and ways to handle changing roads and vehicles. Courses are offered in a classroom or online by various providers, including nonprofit organizations.
Do they lower the premium?
Some insurers give a discount after you finish an approved course, and in some states there are rules about discounts for approved courses. Others offer none. There is no guarantee, so ask your insurer before you sign up and pay.
Questions to ask your insurer or agent
- Do you offer a discount for a defensive driving or driver safety course?
- Which course providers or course names do you accept?
- How much could the discount be, and how long does it last?
- Do I need to send a completion certificate, and where?
- Can I take the course online, or only in person?
- Does the discount apply to all drivers on the policy?
Other things that may affect the premium
- Driving record and recent claims
- Type of car, and how much it is driven
- Coverage levels and deductibles
- Where the car is kept
- Discounts such as bundling or low annual mileage
Practical tips
- Compare the course fee to the possible savings
- Check that the course is approved for your insurer and state
- Keep the certificate and note when the discount may expire
- Keep re-checking your policy at renewal
Next step
A licensed agent can review your current policy and look for discounts you may qualify for. HavenLine is a referral service, not an insurance company.
Questions
Are older drivers entitled to a discount?
Not automatically. Discount rules differ by insurer and state, so ask.
Does a driver safety course help with more than the premium?
It may also refresh your knowledge of current rules and safe habits, which is useful on its own.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.