Driving school can be a valuable experience for new drivers, as it helps them gain the necessary skills and knowledge to become safe and responsible drivers. Apart from learning the rules of the road and defensive driving techniques, attending driving school can also have a positive impact on car insurance rates. In this article, we will explore how much driving school can lower insurance and answer some common questions related to this topic.
How Does Driving School Affect Insurance Rates?
Insurance companies generally offer discounts to drivers who have completed an approved driving school course. By attending driving school, you demonstrate that you have received proper training, making you less likely to be involved in accidents or commit traffic violations. This reduced risk profile can lead to lower insurance premiums.
How Much Can Insurance Rates Be Lowered?
The amount of discount you can receive for completing driving school varies depending on the insurance company and the state you live in. On average, you can expect a discount of around 5% to 10% on your insurance premiums after completing driving school. However, it’s important to note that these numbers are approximate and can vary significantly.
Is the Discount Permanent?
The driving school discount is typically applied for a set period, usually three years. After this period, you may need to renew your driving school certification or complete a defensive driving course to maintain the discount.
Who Is Eligible for the Discount?
The driving school discount is generally available to new drivers, individuals with a learner’s permit, or drivers with a limited driving history. However, eligibility requirements may vary depending on the insurance company.
What Types of Driving Schools Are Accepted?
Insurance companies typically accept driving schools that are approved by the state’s Department of Motor Vehicles (DMV) or other relevant authorities. It’s important to ensure that the driving school you choose is recognized by your insurance provider to qualify for the discount.
Do All Insurance Companies Offer the Discount?
Not all insurance companies offer a discount for completing driving school. It’s essential to check with your insurance provider beforehand to determine if they offer such a discount and the specific requirements to qualify for it.
Can Mature Drivers Receive the Discount?
While driving school discounts are often targeted towards new or inexperienced drivers, some insurance companies may extend the offer to mature drivers as well. It’s best to inquire with your insurance provider to see if you qualify.
Can the Discount Be Combined with Other Discounts?
In many cases, the driving school discount can be combined with other discounts offered by your insurance company. However, it’s advisable to check with your insurance provider to understand their specific policies regarding combining discounts.
Is the Discount Available for Online Driving Courses?
Yes, many insurance companies accept online driving courses as long as they are approved by the relevant authorities. However, it’s crucial to confirm with your insurance provider beforehand to ensure they accept online driving courses.
Do I Need to Inform My Insurance Company?
Yes, it’s important to inform your insurance company once you have completed driving school. They will guide you through the process of applying for the discount and any additional documentation they may require.
Can I Receive the Discount If I Have a Previous Driving Violation?
In some cases, insurance companies may still offer the driving school discount to drivers with previous driving violations. However, this may vary depending on the severity and frequency of the violations. It’s best to consult with your insurance provider to determine your eligibility.
What Happens If I Switch Insurance Companies?
If you switch insurance companies after completing driving school, you may need to provide proof of completion to the new insurer to receive the discount. It’s advisable to keep a copy of your driving school certification or completion certificate for this purpose.
Can I Take Driving School Courses After an Accident?
While it’s always beneficial to receive driving instruction, taking driving school courses after an accident may not directly lower your insurance rates. However, it can help improve your driving skills and increase your knowledge of safe driving practices.
Conclusion
Driving school can have a positive impact on your insurance rates by demonstrating that you have received proper training. While the exact discount may vary, it’s recommended to check with your insurance provider to understand their specific policies and requirements. Remember, driving school not only helps lower insurance rates but also equips you with the skills and knowledge to become a safer driver.
