You can get a discount for driving defensively on car insurance if you complete an approved driver education course. Seven of the 10 largest insurance companies offer discounts for defensive driving, although the exact requirements and discount amounts vary. Defensive driving discounts are available at almost all major insurers, and also at many of the smaller ones. Allstate and The Hartford offer discounts of around 10%; Geico and Liberty Mutual save their qualifying policyholders about 5%.
While completing a defensive driving course (online or in-person) is the first step to getting a discount, some airlines require other conditions to be met before they can start saving. Have several vehicles insured with The General Student discount for obtaining good grades Complete a defensive driving course. Even if Liberty Mutual doesn't offer a discount for defensive driving in your area, you should consider enrolling in a course. An SR-22 is needed to prove to the state that the driver has auto insurance that meets the minimum liability coverage.
By attending traffic school, you can learn how to better avoid accidents and traffic violations by the at-fault party, which would increase your Liberty Mutual premium. This and accident forgiveness are common offers among competitors such as Allstate, Liberty Mutual and Nationwide. The General Auto Insurance Company offers a service for drivers who would not otherwise be able to obtain car insurance. Yes, Liberty Mutual offers discounts for defensive driving courses, but only in states where required by law.
If Liberty Mutual doesn't offer a discount for driving defensively in your state, you should still consider taking a course. Age, driving history, and the type of vehicle a motorist drives are just a few of the many factors that affect their car insurance rates. Depending on your car insurance company and zip code, you can save between 5% and 20% with this discount. Yes, Liberty Mutual offers discounts on defensive driving courses, but only in states that legally require it.
Liberty Mutual also offers a good discount for drivers who don't have accidents, so learning more about safe driving could help you save in the long run.