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Is defensive driving worth the discount I get?

Defensive driving courses teach motorists safe driving strategies, including how to identify potential hazards, anticipate risky situations, and make better driving decisions. As such, defensive driving courses offer benefits beyond the insurance discount.

Most importantly, learning defensive driving strategies reduces your risk of being involved in a serious, or even fatal, automobile accident. A defensive driving class can also lead to a reduction in points on your driver's license after a ticket, although the specifics can vary by state. When more motorists choose to take a defensive driving course, it means an overall safer society for drivers as a whole. Finally, since defensive driving courses reduce injuries, money that would be spent on caring for motorist accident victims or repair vehicles can be funneled to other causes.

Defensive driving classes are typically four hours long, but others can be up to eight hours in length. Today, some states permit students to take defensive driving classes online or by watching a DVD or video tape as opposed to a classroom setting.

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