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 discover ways to drive, this doesn’t at all times imply they discover ways to drive safely. In truth, you’ve in all probability seen a number of folks 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 speak about what defensive driving truly is, how these programs can profit you, and the place to search 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 means that’s more likely to endanger folks or property.

You may be taught defensive driving suggestions by way of a defensive driving course. Up to now, you might have taken certainly one of these lessons to maintain factors off your license after a visitors violation. Nonetheless, sure people can use defensive driving programs for an additional motive.

Advantages of a Defensive Driving Course

Underneath Florida legislation, people above the age of 55 are entitled to an insurance coverage low cost upon completion of a defensive driving course, often called a Senior Citizen Driver Enchancment (SCDI) course.

The low cost ought to final not less than three years, however could be revoked if:

• You might be at fault for an accident
• You might be convicted of a transferring visitors violation
• You plead responsible or nolo contendere to a transferring visitors violation

Which means, if you’re ordered by the courtroom or DMV to take a defensive driving course, you can’t use that course to acquire an auto insurance coverage low cost.

In fact, there’s one other apparent profit to taking a defensive driving course—bettering your driving strategies and turning into a safer driver.

What Does a Defensive Driving Course Cowl?

When you think about your self to be a usually protected driver, there’s an excellent likelihood that you’re already practising sure protected driving behaviors. Due to this fact finishing an accepted class (and retaining your driving document clear), must be a chunk 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 strategies;
• Learn how 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 hazards posed by highway rage;
• Learn how to navigate tough driving environments and climate situations;
• What to do in an emergency scenario;
• Drug and alcohol schooling;
• 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, nevertheless it’s finest to go along with a course that has been accepted by Florida Freeway Security and Motor Autos.

For added comfort, search for online-only programs that permit you to full the required hours from the consolation of your private home.

As a part of our dedication to our purchasers, Harry Levine Insurance coverage is ready to supply a coupon code for Drive Protected On-line. Merely fill out your info in Step 1, use the promo code “FRAXFH” in Step 2, and enter our electronic mail (data@HLInsure.com) in Step 3.

This course is 100% on-line and is assured by legislation to scale back your charge. 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 if you’re ineligible for a SCDI low cost, following defensive driving methods will nonetheless assist forestall collisions with different drivers on the highway and assist maintain you protected behind the wheel. In flip, a protected driving document can result in decrease auto insurance coverage premiums.

At Harry Levine Insurance coverage, we’re dedicated to serving to our purchasers discover wonderful automotive insurance coverage protection that matches their wants and supplies peace of thoughts. As an impartial insurance coverage company, we’re capable of store the marketplace for quotes from all kinds of carriers so you could find the insurance policies that finest suit your wants.

Contact us as we speak for a free quote!