What Is Defensive Driving?

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

However what’s defensive driving (and might 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. Actually, you’ve in all probability 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 speak about what defensive driving really is, how these programs can profit you, and the place to search out them.

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 more likely to endanger individuals or property.

You possibly can be taught defensive driving suggestions by means of a defensive driving course. Up to now, you could have taken one in every of these courses to maintain factors off your license after a visitors violation. Nonetheless, sure people can use defensive driving programs for an additional cause.

Advantages of a Defensive Driving Course

Beneath 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 not less than three years, however may be revoked if:

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

Which means, in case you are ordered by the court docket 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 changing into a safer driver.

What Does a Defensive Driving Course Cowl?

When you contemplate your self to be a typically protected driver, there’s a superb likelihood that you’re already training sure protected driving behaviors. Subsequently finishing an accredited class (and conserving your driving document clear), ought to be a chunk of cake!

Most defensive driving programs are 4 (4) hours lengthy and canopy subjects comparable to:

Site visitors legal guidelines, comparable to abiding by the velocity restrict, sporting a seat belt, and correct stopping strategies;
The best way to share the highway with different autos 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;
The best way to navigate troublesome driving environments and climate circumstances;
What to do in an emergency state of affairs;
Drug and alcohol training;
And rather 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 together with a course that has been accredited by Florida Freeway Security and Motor Automobiles.

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

As a part of our dedication to our shoppers, Harry Levine Insurance coverage is ready to provide 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 ([email protected]) in Step 3.

This course is 100% on-line and is assured by regulation to cut back your fee. Whereas the precise low cost quantity will range, each little bit helps in terms of saving cash on automotive insurance coverage.

Nice Financial savings, Higher Protection

Staying protected on the highway is one thing that everybody ought to try 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 forestall collisions with different drivers on the highway and assist hold 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 shoppers discover wonderful automotive insurance coverage protection that matches their wants and offers 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 finest suit your wants.

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