A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In most cases, attending driving school will reduce your auto insurance rates. This can be especially beneficial for young drivers needing car insurance for the first time or people who have accidents or moving violations on their driving records. Some states will even take violation points off your license with the successful completion of a defensive driving course.

If you want to find car insurance with plenty of discounts for you, enter your ZIP code into the FREE search tool now!

The reason behind the better rate for drivers who attend driving school comes down to statistics. Drivers who take a defensive driving class are statistically less likely to have an accident, so they represent a lower risk to the insurer, which in turn allows them to lower the rate. According to CarsDirect, taking an approved safe driving course can lower premiums by 10-20%. Providing discounts to customers like this can really make a difference in how appreciative they will be with their service.

What are the options when it comes to driver courses?

While there are several different types of driving courses, for the purposes of reducing your insurance premium, you would be most interested in a safe driving or state-approved defensive driving course. Some of the other courses you might be aware of would be protective driving courses, performance driving courses and race driving courses, all of which can be useful for certain occupations and applications, but do not necessarily make you a safer driver.

In terms of safe or defensive driving courses, there are a variety of places that offer them and a variety of methods in which the classes can be taught.

If you check with your insurance carrier or your local department of motor vehicles, you can often get a list of available providers. For example, the Delaware DMV has a list of organizations from the AARP to private online driving schools that offer driving courses.

You can generally find driving courses that are taught in a classroom, on the road, online, or any combination of the three. Online courses have become an excellent way to increase driver safety awareness, and it’s easier for someone with a busy schedule to attend an online class. Before deciding on which type of course to take, it is best to verify with your insurance provider that the particular type of class you want to take will actually get you safe driver discounts.

Enter your ZIP code below to compare car insurance company rates.

 Secured with SHA-256 Encryption

What are some other ways to reduce auto insurance premiums

There are many ways to reduce your auto insurance premiums. The easy way is simply to grow up; auto insurance premiums usually go down for more mature drivers, to a point. Teen drivers are seen as high-risk since they’re inexperienced drivers compared to anyone who has been on the road for years. So once they have more years under their belt, and more experience, they’ll end up paying less. This can also be said of someone who keeps a clean driving record as they age. That will absolutely ensure that their rates decrease.

Getting married is another life change that can lower your insurance payments because this can sometimes change your base rate. Staying with your auto insurance company for a long time and/or getting different types of insurance from them will save you money, too.

Choosing your car carefully can also help you to get a more affordable car insurance rate. In general, less expensive cars are cheaper to insure. Cars with great safety ratings and extra safety features like side air bags and anti-lock brakes can get you a discount on auto insurance.

It is always a good idea to check with your insurance provider to see what your eligibility is for other discounts that may be available. There are often discounts available for good students, members of certain organizations, and people who work in certain professions. It never hurts to call and ask if you’re getting every discount you qualify for, and sometimes you can get quite a bit of extra savings.

Riskier ways to get more affordable car insurance premiums would be to lower your level of coverage or increase your deductible. The obvious downside to this would be that you may not have enough insurance to cover the costs of an accident or your deductible may be so expensive that you have trouble paying it in the event of an accident.

What are some factors that can cause your auto insurance premium to rise?

Auto insurance tends to rise most significantly as a result of unsafe driving. Rates for drivers who have multiple moving violations, a traffic ticket of any kind, or have been in multiple accidents tend to increase. Sometimes your insurance can rise with even a single ticket or accident. Safe drivers tend to have lower rates.

The reason for the rise in insurance premiums with accidents is obvious. If an insurance company has to pay a claim, they need to make their money back somehow.

For moving violations, the rise in premiums is more of a prediction; people who get speeding tickets and otherwise violate the rules of the road are more likely to have an accident. And if you cause any sort of damage, your provider is going to have to clean up after you, which costs them money. That’s why it’s extremely important to practice safe driving habits.

Other things that could lead to an increase in what you pay for car insurance could include increasing the amount of driving you do or driving more in an unsafe area. Switching to a more expensive vehicle or a vehicle without as many safety features can also increase your premium.

So if you’re looking at your auto policy bill and are concerned it’s become more than you can handle, take a look into some driver improvement courses. That could open up some defensive driver discounts. You can also compare prices with other companies if your current provider isn’t willing to work with you on improving yourself as a driver and subsequently lowering your bill.

If you are ready to find your best possible deal on car insurance, use the FREE search tool by entering your ZIP code today!