It’s the important thing to staying protected on the highway.
However what’s defensive driving (and may it decrease your automotive insurance coverage premiums)?
Whereas most Floridians ultimately learn to drive, this doesn’t at all times imply they learn to drive safely. In reality, you’ve most likely seen a number of individuals on the highway that ought to by no means be allowed behind the wheel!
Your insurance coverage firm agrees, which is why it encourages sure policyholders to take a defensive driving course. On this article, we’ll discuss what defensive driving really is, how these programs can profit you, and the place to seek out them.
What Is Defensive Driving?
Defensive driving makes an attempt to mitigate potential hazards on the highway, keep away from collisions, and encourage protected driving. That is distinct from “aggressive driving,” which is driving in a approach that’s prone to endanger individuals or property.
You possibly can be taught defensive driving ideas via a defensive driving course. Previously, you might have taken considered one of these lessons to maintain factors off your license after a site visitors violation. Nevertheless, sure people can use defensive driving programs for one more motive.
Advantages of a Defensive Driving Course
Underneath Florida regulation, people above the age of 55 are entitled to an insurance coverage low cost upon completion of a defensive driving course, referred to as a Senior Citizen Driver Enchancment (SCDI) course.
The low cost ought to final a minimum of three years, however might be revoked if:
- You might be at fault for an accident
- You might be convicted of a shifting site visitors violation
- You plead responsible or nolo contendere to a shifting site visitors violation
Which means, in case you are ordered by the courtroom or DMV to take a defensive driving course, you can not use that course to acquire an auto insurance coverage low cost.
After all, there may be one other apparent profit to taking a defensive driving course—enhancing your driving methods and turning into a safer driver.
What Does a Defensive Driving Course Cowl?
For those who take into account your self to be a typically protected driver, there’s likelihood that you’re already working towards sure protected driving behaviors. Due to this fact finishing an authorised class (and retaining your driving report clear), must be a bit of cake!
Most defensive driving programs are 4 (4) hours lengthy and canopy matters resembling:
- Site visitors legal guidelines, resembling abiding by the velocity restrict, sporting a seat belt, and correct stopping methods;
- Methods to share the highway with different automobiles and pedestrians;
- Avoiding distractions whereas driving;
- The significance of sustaining a protected following distance from the automotive in entrance of you;
- The risks posed by highway rage;
- Methods to navigate troublesome driving environments and climate situations;
- What to do in an emergency scenario;
- Drug and alcohol training;
- And far more.
The place To Take a Defensive Driving Course
There are a lot of defensive driving programs—each in-person and on-line—to select from, however it’s finest to go along with a course that has been authorised by Florida Freeway Security and Motor Autos.
For added comfort, search for online-only programs that mean you can full the mandatory hours from the consolation of your own home.
As a part of our dedication to our shoppers, Harry Levine Insurance coverage is ready to supply a coupon code for Drive Secure On-line. Merely fill out your data in Step 1, use the promo code “FRAXFH” in Step 2, and enter our e mail ([email protected]) in Step 3.
This course is 100% on-line and is assured by regulation to scale back your price. Whereas the precise low cost quantity will range, each little bit helps in relation to saving cash on automotive insurance coverage.
Nice Financial savings, Higher Protection
Staying protected on the highway is one thing that everybody ought to attempt for, however defensive driver programs are solely a small piece of the puzzle.
Even in case you are ineligible for a SCDI low cost, following defensive driving methods will nonetheless assist stop collisions with different drivers on the highway and assist maintain you protected behind the wheel. In flip, a protected driving report can result in decrease auto insurance coverage premiums.
At Harry Levine Insurance coverage, we’re dedicated to serving to our shoppers discover glorious automotive insurance coverage protection that matches their wants and offers peace of thoughts. As an unbiased insurance coverage company, we’re in a position to store the marketplace for quotes from all kinds of carriers so yow will discover the insurance policies that finest suit your wants.
Contact us as we speak for a free quote!