Can You Really Lower Your Auto Insurance by Taking a Driving Course?

Many drivers look for ways to reduce their auto insurance premiums, and one option that may help is completing a driver safety course. While not guaranteed, some insurers offer discounts for drivers who take an approved course, especially if they meet certain criteria.

How It Works

Driver safety courses are designed to reinforce safe driving habits and refresh knowledge of traffic laws. These courses may be offered online or in person, typically covering topics such as defensive driving, accident prevention and state-specific regulations.

Insurance companies may view course completion as a sign of reduced risk, which can lead to potential savings. In some cases, these discounts are available to:

• Young or new drivers looking to demonstrate responsibility

• Senior drivers aiming to stay sharp behind the wheel

• Drivers with past violations who want to improve their record

Each insurer has its own rules, so it’s important to check whether a course is approved and whether you qualify for a discount.

Other Benefits

Beyond possible savings, taking a driver safety course can help you become a more confident and cautious driver. It may also reduce points on your license in some states, indirectly affecting your insurance rate.

Check With Your Insurance Professional

Not all insurers offer discounts for driver safety courses, and eligibility can vary by state and policy type. The Esquivel Insurance Agency can help you determine whether a course makes sense for your situation and guide you toward approved programs. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.