Can A Defensive Driving Course Lower Your Rates In California?

Your results may vary, but generally speaking, a defensive driving course is a great way to save some money on your insurance. Armorcrest Insurance Services wants to inform you of the benefits of taking a defensive driving class in El Centro, CA.

In some states, the discount is automatic:

If you pass a defensive driving course and get your certification, then your insurer is required to offer a specific discount. This discount may be a percentage or a set amount removed from the base cost. This is before any other discounts and penalties are applied, so the discount itself is not affected by any other factors directly.

California is one of the states mandating these discounts. These discounts tend to be smaller for older drivers more so than for younger drivers. If you’re over fifty-five, you’ve already got more experience under your belt than a defensive driving course can deliver so the benefits may be relatively minimal. If you’re under twenty-five, a defensive driving course can be a major boost to your relatively limited experience on the road.

If you are paying a little more than you’d like due to marks on your driving record, a discount for passing one of these courses can help to make up for that. You may even have points removed from your record following completion of the course and it will give the illusion that the speeding ticket never happened.

Different insurers will offer different discounts over the state-mandated minimum, but in El Centro CA, all insurers are required to carry these discounts by law. The courses are usually pretty cheap to attend, can be completed in under six hours, and will save you quite a bit of money over the course of the year. 

Call our agents at Armorcrest Insurance Services to find out more about how a defensive driving class can benefit you. Our offices are open to visits to find out more about your auto insurance or use our online rating tool to get quotes for your auto or home policies.