Reduced Car Insurance Rates

Introduction

There are car insurance companies that provide their policyholders with insurance discounts (up to 10%) when a policyholder takes defensive driving course, passes a test and receives a Certificate Of Completion from an approved State traffic education agency.

Things you'll need:

Written approval from a Car Insurance Company

Approved defensive driving school

Certificate of Completion from a defensive driving school

Notice to the Car Insurance Company of Certificate receipt

Steps:

Step 1 - Investigate and procure approval from a car insurance company that will offer up to 10% discount on your vehicle insurance policy for completing and getting certified by an approved defensive driving school test.

Step 2 - Select one of three possible sources that provide defensive driving courses: 1) Enroll in a defensive driving school in your city; 2) Purchase (at Blockbusters) a DVD/CD Rom-based driving course, which includes: tests and location where you may procure the Certificate of Completion; or 3) do your traffic defensive driving course through the Web. The Web course may be the least expensive way and will include the instruction text with web videos, sub-tests, final test and a Certificate mailed to you upon the successful completion of the final test.

Step 3 - If you've selected a Web-based traffic defensive driving course, follow easy steps: when the screen opens read the short directions, make the online payment for as little as $25, receive an identifying code and take the 6-hour course with tests.

Step 4 - Complete each sub- test and final test (passing grade is 70% for each). Although you can complete the course and be certified in as little as six hours, you may choose to take longer to complete the course and tests.

Step 5 - After you receive your Certificate of Completion, send the:

a) Certificate of Completion

b) Insurance Certificate

c) Original approval letter or e-mail from your Car insurance company, along with

d) Cover letter informing the Company that you qualify for the company's car insurance discount.

Step 6 - Enjoy the vehicle insurance discount for the next three years.

Tips and Warnings:

Make sure that the Vehicle Insurance Company specifies the terms and conditions of the discount -effective date, duration of the discount and your applicable discount amount in dollars.

Research and scrutinize all approved defensive driving schools. For example, not all website course providers are the same. Although they must be State Education approved, you still have to lookout for hidden costs, frills that you may not need (e.g., audio reading of test questions; a copy of the Driver's Record, which can be obtained from the Vehicle Court website for half-price; digital cameras to record you while you take the test - cameras may not be required in your State.)

Ensure that the website originates in your State even though some websites have some intra-State approved tests and certifications.