What Is Defensive Driving?

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It’s the important thing to staying protected on the street.

However what’s defensive driving (and might it decrease your automobile insurance coverage premiums)?

Whereas most Floridians ultimately discover ways to drive, this doesn’t all the time imply they discover ways to drive safely. In truth, you’ve in all probability seen a number of folks on the street 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 truly is, how these programs can profit you, and the place to seek out them.

Group of women driving in car

Defensive driving makes an attempt to mitigate potential hazards on the street, keep away from collisions, and encourage protected driving. That is distinct from “aggressive driving,” which is driving in a manner that’s prone to endanger folks or property.

You’ll be able to be taught defensive driving ideas by a defensive driving course. Previously, you’ll have taken one in all these courses to maintain factors off your license after a visitors violation. Nevertheless, sure people can use defensive driving programs for one more purpose.

Senior couple in car

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, referred to as a Senior Citizen Driver Enchancment (SCDI) course.

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

You’re at fault for an accident
You’re convicted of a transferring visitors violation
You plead responsible or nolo contendere to a transferring visitors violation

Which means, in case you are ordered by the court docket 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—bettering your driving strategies and turning into a safer driver.

Senior citizen behind the wheel of car

What Does a Defensive Driving Course Cowl?

For those who think about your self to be a typically protected driver, there’s an excellent probability that you’re already working towards sure protected driving behaviors. Subsequently finishing an accepted class (and holding your driving report clear), needs to be a chunk of cake!

Most defensive driving programs are 4 (4) hours lengthy and canopy matters akin to:

Site visitors legal guidelines, akin to abiding by the pace restrict, sporting a seat belt, and correct stopping strategies;
Tips on how to share the street with different automobiles and pedestrians;
Avoiding distractions whereas driving;
The significance of sustaining a protected following distance from the automobile in entrance of you;
The risks posed by street rage;
Tips on how to navigate tough driving environments and climate circumstances;
What to do in an emergency scenario;
Drug and alcohol schooling;
And far more.

Senior man using tablet to take defensive driving course

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 greatest to go together with a course that has been accepted by Florida Freeway Security and Motor Automobiles.

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

As a part of our dedication to our purchasers, Harry Levine Insurance coverage is ready to provide a coupon code for Drive Secure On-line. Merely fill out your info in Step 1, use the promo code “FRAXFH” in Step 2, and enter our electronic mail ([email protected]) in Step 3.

This course is 100% on-line and is assured by legislation to scale back your fee. Whereas the precise low cost quantity will differ, each little bit helps in the case of saving cash on automobile insurance coverage.

Nice Financial savings, Higher Protection

Staying protected on the street 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 street and assist preserve 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 purchasers discover wonderful automobile insurance coverage protection that matches their wants and gives 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 will discover the insurance policies that greatest suit your wants.

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