Will taking a Driver's Ed Course Really Lower My Auto Insurance In The Future?

Question

I am 16 years old and don't really have a lot of money. My parents suggest that i should in-roll in a driver education course to lower my insurance in the future. But, is it really going to benefit me or am i just going to lose $900 for being taught something i basically already know? And if it will benefit, what would the percentage be that could be taken off my car insurance?

Please! Need Help :(

Answer 1

ours is part of our public school system

so we don't pay

and it lowered our bill 10%

Answer 2

You need to ask your insurance company this question. The reps can tell you exactly what the change in your rate will be. Call and ask!

Regards,

Dan

PS $900 sounds very high for a DE course to me.

Answer 3

It really depends on the state. I live in Massachusetts where everyone under 18 getting a drivers lisense is REQUIRED to attend a drivers education course. I paid $600 for my classes which included 30 hours classroom time,12 hours on the road, 6 hours observation, and 2 hour parent course. After attending all those lessons, i received a certificate which said that i completed a driver's education course which deducted my insurance by about 10%. I am now paying about $2700 for my insurance.

Answer 4

yes

Answer 5

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Answer 6

Yes, many auto liability insurance policies will be discounted about 5 percent, maybe more, for good student discount, and additional discounts for completion of a certified driver safety training course, and of course also for a safe driver having no tickets.  The Allstate.com website informs that certain states allow Allstate to offer the discount.  Also select a less-expensive mid-size or full size car truck or 5-star safety rated SUV or van to get a slightly lower or significantly lower rate for insurance when you go to get your own car.  Check for a training course at your community teen center, or high-school counselor office, or Insurance Institute for Highway Safety website.

http://www.amica.com

http://www.allstate.com/ auto-insurance /auto-insurance -for-teens.aspx   with no spaces.

If you have an option to take a class to clear negative points from your driving record, then that class may not qualify for a discount and provided you complete it and get the ticket and negative points wiped from your state motor vehicle driving record, keep kind of quiet about the whole event rather than announcing it to your insurance company.  After a year or two of no ticket and no accident the rates may drop a bit for you too.  Longer period of driving with no citation?  Even better!