If you drive, auto insurance is an unavoidable expense. However, there are steps you can take to help avoid paying too much for your insurance coverage.
The fact is, auto insurance prices can differ by hundreds of dollars, but there are plenty of opportunities for you to cut your premiums with various discounts endorsed by the law. In fact, insurance companies offer discounts for good driving habits, your occupation, features on your vehicle, attending traffic school and more.
Here you will learn about some of the car insurance discounts for everyone – from teens to seniors – that are also endorsed by the law. After all, the ones endorsed by the law are those that are really going to make the roads safer for all drivers, regardless of age or number of years spent behind the wheel.
Defensive Driving Courses
One auto insurance discount endorsed by the law is the NY defensive driver discount. However, it doesn’t stop there, this discount is endorsed and offered in a number of states across the nation. In fact, enrolling in a defensive driving course, such as the Drug and Alcohol Driving Awareness Program, can help drivers save a significant amount on their insurance costs.
For example, in the state of Texas, drivers who complete the course receive a mandatory five percent discount on their auto insurance according to Texas law. If the driver completes a 32-hour course, the discount is jumps up to 10 percent.
Completion of a Mature Driver Course
There is also a CA mature driver discount that has recently been approved in the state. During this course you will learn how to improve your basic driving skills, while refreshing your overall driving knowledge. Upon completion of this course, you can receive a law enforcement approved discount on your auto insurance premium. There is also a FL mature driver discount, as well as savings in other states for completing this mature driver course.
The total amount you can save on your auto insurance will vary based on where you are located and who you choose as your insurance carrier. Make sure to find one of the state approved courses prior to enrolling, or you may not receive the insurance discount, even if you do get a number of helpful tips on how to remain safe while driving.
Attending Driving School
Most people only think about going to traffic school if they have received some type of citation or speeding ticket. However, the fact is, enrolling in a traffic school program and successfully completing it can also lead to discounts on your insurance premium.
While these savings are available for everyone, regardless of age or gender, they can be extremely beneficial for younger men, who have recently started driving. This is because it is this demographic that typically has the highest auto insurance rates.
Keep in mind, some insurances require you to attend certain, law approved courses to receive the available discount, so this is something to find out prior to paying for a course and/or choosing an insurance company.
The Bottom Line
The fact is, auto insurance companies offer several discount opportunities. You can even get discounts for your teen drivers who make good grades. However, the ones that really add up are the ones mentioned here, which have been law enforcement approved. These are the activities and courses that can really make a difference and make the roads safer for everyone.