Take a Defensive Driving Course for 5-15% Discount

The Problem

You're paying full rate and don't know about available discounts.

The Hack

Ask your insurance company which defensive driving courses qualify for a discount. Take the approved course online (typically 4-6 hours, $25-50). Submit certificate for the discount.

Why It Works

State laws require insurers to offer discounts for completed safety courses. The discount applies for 3 years in most states, saving far more than the course costs.

Pro Tips

• Most courses are online and self-paced
• Cost: $25-50. Savings: $100-300/year × 3 years
• AARP offers a course specifically for drivers 50+
• Some states also dismiss traffic tickets with the same course