Eligibility requirements to take a defensive driving course. You have not attended a defensive driving course to receive a valid traffic ticket issued. Your insurance company may offer you a discount on your insurance premium to voluntarily complete a defensive driving course. This discount is usually up to 10% and can last for one or more years.
The defensive driving course offered with insurance discounts is the same as that offered for those who have enrolled for traffic violations. It lasts four hours and can be completed both in person and online. Once you've completed an approved defensive driving course, your auto insurer can apply the discount to you for several years. If you're still eligible for a discount after that period has expired, you may be able to retake a defensive driving course to conserve your savings.
Illinois auto insurance providers often offer discounts on premiums for safe drivers to drivers who voluntarily complete a defensive driving course. Texas doesn't require insurers to offer discounts on defensive driving courses, but many state insurers do offer them to motorists who take a state-approved course. The state's mandatory discount applies to all insurance companies; contact your insurance agent for the amount of the discount and the eligibility requirements. Completing a defensive driving course can help you save on car insurance if your insurance company offers a discount for defensive drivers.
This means that it's important to check with your insurance company before enrolling in a defensive driving course to ensure that you can benefit from an insurance discount. Most insurance companies offer different types of discounts to customers, so if you're looking to lower your premiums, compare prices and compare car insurance quotes. For some people, especially teens and older people, taking a defensive driving class can result in discounts on their car insurance premiums. 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.