Yes, Liberty Mutual offers discounts on defensive driving courses, but only in states that legally require it. Thirty-four states and the District of Columbia require insurance companies to offer defensive driving discounts to eligible drivers, although the exact amounts and requirements of the discount vary. Every insurer has eligibility guidelines and standards, and some insurance companies may accept only certain courses. Sometimes, drivers can struggle to find car insurance coverage, even though liability insurance is required for Illinois drivers.
After several years, he expanded his experience in insurance and obtained his license in health and also in AD&D insurance. Most insurance companies also offer teen or young adult drivers a discount on their car insurance when the driver shows proof of completing the course. If Liberty Mutual doesn't offer a discount for driving defensively in your state, you should still consider taking a course. Therefore, the average auto insurance payment for a driver in Illinois would require them to spend 2 percent of their total disposable income on coverage each year.
Since then, she has worked as a news writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates. This could range from 5% to 20%, depending on the car insurance company and your state's insurance laws. California, New Jersey and Hawaii offer state-sponsored programs designed to help lower car insurance costs for families with limited incomes. However, when choosing an auto insurance company, financial strength isn't the only way to compare options.
Be sure to find out what legal requirements your defensive driving class must meet in order to clear your record (your auto insurance agent should be able to help you with this). A person who has been injured or harmed in a car accident can file a claim with their own insurance company, file a third-party claim directly to the at-fault driver's insurance company, or file a personal injury lawsuit. After a car accident, you have a limited amount of time to file a claim with your auto insurance company. Start comparing car insurance rates today and get up to 10 free car insurance quotes from top providers in your area.
Even if Liberty Mutual doesn't offer a discount for defensive driving in your area, you should consider enrolling in a course. Financial ratings can provide you with a general understanding of an auto insurance company's financial situation.