Many New York drivers think that defensive driving will reduce their monthly car insurance premiums and help them avoid tickets. However, the reality is slightly different. If you know how to drive defensively, it will help you be more aware of potential collisions and how to minimize your chances of being involved in one. And of course, the less collisions you’re involved in, the lower your car insurance rates.
To get an immediate discount off your car insurance premiums, you can enroll in an approved defensive driving course through the DMV, AAA or other organization. Depending on where you live, this can result in steep discounts. In New York for example, completing a defensive driving course can result in a 10 percent rate reduction for a period of three years. And if you have points on your driving record for an incident such as a collision, you can get up to three points knocked off your record if you complete a course within 18 months of the incident. Nowadays, most courses can be completed online with 8 to 9 hours of participation and successfully earning a certificate of completion.
Before enrolling in any defensive driving course, check with your local DMV to make sure it’s approved and will result in rate reductions.
To be safe on the road defensive driving is one of the thing to be learnt, according to the statistics. Defensive driving class vary according to each state. There are many benefits if you take up defensive driving class. It reduces the points to the drivers license pursuing a ticket and gives an assurance that car insurance rates may not increase. Taking defensive driving course, you will get reduction up to 10% in insurance rates over a period of five years. Requirements vary simultaneously just as the defensive driving class differs with each state.
Secrets of Excellent Driving
You will be ready and aware what ever happens if you drive defensively. Do not put your fate in the hands of other drivers, be cautious and be ready to take any action. Most of the crashes occur due to the driver’s error says the U.S Department of transportation. To reduce risk on the road follow the defensive driving tips :
- Safety comes first: Avoid driving aggressively and pay attention while driving the car. Leave lot of gap between your car and the car in front of you, to avoid car crash. Always lock the car doors and wear the seat belt to protect yourself.
- Keep your speed down: Depending on various conditions speed limits have to be followed. It is the responsibility of the driver to match with driving conditions.
- Separate risks: If there are multiple risks it is necessary that each risk is mentioned separately. The main goal is to avoid many risk factors at a time.
- Cut out driver distractions: If you divert your attention some where else other than driving then it becomes distraction. You should be focused while driving the car, because while driving full attention is required.
Many consumers are looking into temporarily lowering their homeowners or automobile insurance costs by eliminating some services, such as high deductibles they feel they can do without. Every dollar they save adds to being able to pay a mortgage down more quickly or do more with their family.
Here is some information that may assist you with saving:
- Increase your comprehensive and collision deductibles from $250 to $500 and see what you save. If not enough, ask the agent how much a $1,000 deductible would save. Since you are a careful driver and if the accident is the other party’s fault, your insurance company will most likely get your deductible back anyway.
- If you just got married, let your car insurance company know this as your rates are lower when married.
- Take a defensive driving course and also have security alarms on your vehicle.
- If you pay your car off, you may consider switching to liability insurance instead of having full coverage.
- If your teenager attends college in another state and leaves the car behind, your insurance rates may be lower.
- If you move from the city to a rural area, this may also lower your automobile insurance rate.
- If you change jobs and work from an office inside your home, you have eliminated much traveling, so your risk of accident is much less.
- Many auto insurance companies give you a percentage off when you also insure your home with them.
Talk to your agent and go over both your homeowners and your auto insurance so that he can save you money.
Car insurance shopping can be confusing, and when you’re looking for cheap auto insurance that still offers you adequate coverage, you need to take many different factors into account in order to find the best deal. One of the most helpful tools you can have when you’re looking for cheap auto insurance is a car insurance checklist like the one below. Keep this checklist on hand when you request quotes so you can be sure you don’t forget anything that could get you a better deal.
- Your personal information. You’ll need your legal name, driver’s license number and address.
- Information about your car. Write down your car’s make, model, and year.
- Mileage. Make a note of the mileage on your car before you request any quotes. Also estimate the amount of miles you drive each month.
- State legal coverage requirements. Though each insurance carrier will automatically pull up your state’s legal coverage requirements when they know your address, it’s a good idea to be aware of them yourself.
- Accidents or moving violations. These will be automatically calculated into your insurance rates based on your driver’s license information. However, if you have not been involved in accidents or had any moving violations for the past three years, most carriers will give you a discount.
- Defensive driving course. If you’ve completed a defensive driving course, ask how this influences your insurance rates. Most carriers offer discounts upon proof of completion.
- Anti-theft and safety devices. If you have an anti-theft device in your car, write down its make and model, and list any safety devices such as airbags and anti-lock brakes.