Avoid Accidents and Lower Your Insurance Rates with a Defensive Driving Course

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As we all know, accidents happen, but most can be prevented with defensive driving techniques. By taking a Defensive Driving Course in Calgary, you can learn how to avoid accidents and reduce your insurance rates. In this article, we’ll explore the benefits of defensive driving courses and how they can help you become a safer driver.

Benefits of Defensive Driving Courses

Avoiding Accidents

Defensive driving courses teach you strategies to avoid accidents. These strategies include learning how to anticipate other drivers’ actions, maintaining a safe following distance, and avoiding distractions while driving. Common causes of accidents, such as speeding, reckless driving, and impaired driving, are also covered in defensive driving courses.

Reducing Insurance Rates

Taking a defensive driving course can lower your insurance rates by up to 10%. Insurance companies recognize that completing a defensive driving course shows a commitment to safe driving practices, which reduces the likelihood of accidents. Additionally, some insurance companies offer discounts on car insurance for those who complete a defensive driving course.

Traffic Violations

Defensive driving courses can also help with traffic violations. Depending on the state, completing a defensive driving course may result in ticket dismissal or a point reduction on your driving record, which can keep your insurance rates from increasing.

Types of Defensive Driving Courses

There are several types of defensive driving courses available, including classroom-based courses, online courses, in-car training, and Commercial Driver’s License (CDL) training.

Classroom-Based Courses

Classroom-based courses are taught in person and typically last six to eight hours. These courses are often held at community centres, schools, or driving schools.

Online Courses

Online courses are self-paced and can be completed from the comfort of your own home. They usually take four to eight hours to complete and require an internet connection.

In-Car Training

In-car training is a more hands-on approach to defensive driving. An instructor will ride in the car with you and provide feedback on your driving skills.

Commercial Driver’s License (CDL) Training

CDL training is specifically designed for commercial vehicle drivers. This course covers safety requirements and regulations for commercial drivers.

How to Choose a Defensive Driving Course?

When choosing a defensive driving course, consider the following factors:

Accreditation and Approval

Make sure the course is approved by your state’s Department of Motor Vehicles (DMV) or other governing body. Accredited courses are more likely to be recognized by insurance companies.

Cost and Time Commitment

Defensive driving courses can range in cost from $20 to $200, and the time commitment can vary as well. Consider your budget and schedule when choosing a course.

Course Content and Curriculum

Look for a course that covers defensive driving strategies, common causes of accidents, and state-specific traffic laws.

Instructor Qualifications

If you choose a classroom-based or in-car training course, make sure the instructor is qualified and experienced.

Steps to Take After Completing a Defensive Driving Course

After completing a defensive driving course, be sure to take the following steps:

Certificate of Completion

Obtain a certificate of completion from the course provider. This certificate may be required by your insurance company or the court if you received a traffic violation.

Submitting Proof to the Insurance Company

Submit proof of completion to your insurance company to receive any potential discounts on your car insurance premiums.

Updating Driving Record

If you received a traffic violation, make sure to submit the proof of completion to the court to have the ticket dismissed or points reduced on your driving record. This can also help prevent any increases in insurance rates.

Conclusion

In conclusion, taking a defensive driving course can provide numerous benefits, including avoiding accidents, reducing insurance rates, and potentially dismissing traffic violations. With several types of courses available, it is important to research and choose a reputable program that fits your budget and schedule. By completing a defensive driving course and also Driving Lessons in Calgary, you can become a safer and more responsible driver.

FAQs

Who can take a defensive driving course?

Defensive driving courses are open to anyone with a valid driver’s license, regardless of age or driving experience.

How long does it take to complete a defensive driving course?

The length of a defensive driving course can vary from four to eight hours, depending on the type of course and the provider.

Is a defensive driving course mandatory?

In some states, taking a defensive driving course may be required after receiving a traffic violation. However, in most cases, it is voluntary.

Will taking a defensive driving course lower my insurance rates immediately?

Insurance companies may require proof of completion before offering any discounts on car insurance premiums. Once proof is provided, the discounts may take effect at the next policy renewal.

Can I retake a defensive driving course to receive additional discounts?

Some insurance companies may offer additional discounts for retaking a defensive driving course every few years. Check with your insurance provider to see if this is an option for you.