Defensive Driving and Insurance Costs

If you are seeking a way to lower your insurance rates or have a traffic ticket dismissed, taking a defensive driving course may be an ideal solution for you. A defensive driving class teaches motorists how to behave safely on the road and how to anticipate dangers ahead of time to prevent an accident. While most people think of these courses as simply a way to get out of a speeding ticket, a defensive driving class can be valuable in other ways as well.

Reducing Driver’s License Points

When you receive a traffic ticket, you may be required to pay a fine and you may have points added to your driver’s license. These points are added up over six months to a year, and if you exceed the point limit within a given time period, your driver’s license may be suspended. Not only can this make daily life a hassle, but it can also lead to an insurance rate increase. By taking a defensive driving course, you may be able to avoid paying a traffic fine and will have the violation dismissed so that it is not added to your points record.

Lowering Your Rates

Even if you have not been issued a traffic ticket, a defensive driving course can be a money saver in the long run. Many insurance companies offer coverage discounts to drivers who have recently taken a driving safety course, which can quickly make up for the cost of the class itself. In addition, motorists who have taken a defensive driving class are statistically a lower insurance risk because they are more likely to avoid a costly collision. Staying accident-free for a given period of time may qualify you for the good driver discount offered by many car insurance providers.

Contact Us

For more information on how you can obtain an affordable car insurance rate, contact the Chicago auto insurance agents of Insure on the Spot today at 888-972-SAVE.