Defensive driving is not only a valuable skill that enhances road safety but also a way for drivers to save money on their auto insurance premiums. Many U.S. auto insurance companies recognize the benefits of defensive driving courses and offer substantial discounts to policyholders who complete them. Below are some prominent insurers that provide discounts specifically for defensive driving.
1. Geico
Geico offers a notable discount for drivers who complete a state-approved defensive driving course. This discount can vary by state, but it typically ranges from 10% to 15% off the policyholder’s premium. Geico’s user-friendly website allows customers to easily find approved courses and claim their discounts.
2. Progressive
Progressive also rewards safe driving practices. They have a Safe Driver Discount, which is available to customers who complete a defensive driving course. Additionally, those enrolled in the Snapshot program may receive further discounts based on driving behavior that reflects safe practices.
3. State Farm
State Farm offers discounts on premiums for policyholders who participate in an approved defensive driving course. This discount can typically reach up to 10%, making it an attractive option for drivers looking to enhance their safety skills while saving money. Drivers can usually find an online course through State Farm’s easy-to-navigate platform.
4. Allstate
Allstate provides a variety of discounts for policyholders who have recently completed a defensive driving course. Customers can benefit from a 10% discount on their premiums, and Allstate’s Drivewise program further incentivizes safe driving habits by rewarding drivers with additional savings for good behavior.
5. Liberty Mutual
Liberty Mutual offers a discount for drivers who participate in a state-certified defensive driving course. The discount is typically around 10%, and drivers can easily report their course completion through Liberty Mutual's online portal.
6. American Family Insurance
American Family Insurance encourages safe driving through their defensive driving course discount. Policyholders can receive a discount of about 5% to 10% after completing a course approved by American Family. Their customer support team is readily available to assist customers in finding appropriate courses.
7. Farmers Insurance
Farmers Insurance recognizes the importance of defensive driving and provides discounts for drivers who complete a defensive driving course. This discount can help lower the overall cost of insurance, and Farmers can assist clients in identifying the right courses to take.
In conclusion, many U.S. auto insurance companies understand the value of defensive driving and offer discounts to encourage drivers to take such courses. When shopping for car insurance, it is beneficial for drivers to inquire about these discounts and consider enrolling in a defensive driving course. Not only can they save money on their premiums, but they can also gain valuable skills that contribute to safer roadways.
