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Orange ConesQ: Can I save on my car insurance by taking a defensive driving course if I already have a clean driving record?

A: Yes, drivers between the ages of 16-25 can save up to 15% by taking a course, while seniors can can cut their rates by around 5%. Drivers between the ages of 25-65 can save if they have violations and the class expunges points from their records. In fact, a point-reduction course often leads to a mandated 10% reduction in your monthly rates.

Q: How much do defensive driving courses cost?

A: A six-hour in-person course can cost as little as $50 and as much as $300. So over the course of several years, despite the high cost of the class, you’ll still come out ahead in terms of what you saved on insurance.

Q: What’s the deal with online defensive driving courses?

A: The industry is definitely moving online. Although it might sound counter-intuitive -- how can you learn to drive on your couch? -- it does make sense when you consider the classroom component (which is often enough to qualify for the car insurance reduction). If you need a road course, obviously an online classroom is not the “place” for you -- at least not yet.

Courses can also be delivered more cheaply online (sometimes a low as $25 for the entire course), as teachers can broadcast to wider audience, outside the traditional classroom. Plus it’s also more convenient for you, as you can take the course on your own time, at your own pace. Just make the online class is approved in terms of getting a car insurance reduction. Feel free to contact your provider to confirm.

Q: Are defensive driving terribly boring?

A: They can be, but don’t have to be. If fact one of team members actually took a class a few years back. Read more about his experience on our blog.

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