Defensive driving is not just a skill that can enhance your safety on the road; it can also help you save significantly on car insurance premiums in Illinois. Many insurance companies offer discounts for drivers who have completed a defensive driving course. If you’re looking to maximize your savings, here’s how to get car insurance discounts for defensive driving in Illinois.
1. Understand Eligibility Requirements
Before pursuing any discounts, check with your insurance provider to understand their specific eligibility requirements for defensive driving discounts. Most companies require drivers to complete a state-certified defensive driving course tailored to Illinois regulations. Ensure the course has the proper accreditation to be recognized by your insurer.
2. Choose the Right Defensive Driving Course
In Illinois, you can find a variety of defensive driving courses available online and in-person. Look for a course that is not only certified but also conveniently scheduled to fit your availability. Popular options include the National Safety Council and a variety of accredited local driving schools. Completing an approved course can often provide an immediate discount on your policy.
3. Keep Records of Course Completion
After completing your defensive driving course, be sure to request a certificate of completion. This document serves as proof that you have successfully finished the course and is necessary for claiming your discount. Keep it handy and provide a copy to your insurance provider when applying for the discount.
4. Consult with Your Insurance Agent
Once you have completed your course, contact your insurance agent to discuss the discounts available to you. They might require you to submit your course completion certificate. Inquire about how much you can save and whether additional discounts are available for consistently safe driving records.
5. Review Your Policy Annually
Every year, review your car insurance policy to ensure you are receiving all applicable discounts. If you have completed a defensive driving course recently, or if your insurance provider introduces new discounts, it may be beneficial to discuss these changes with your insurance agent. Regular reviews can help you stay updated and ensure you’re getting the best rates possible.
6. Maintain a Good Driving Record
In addition to defensive driving discounts, maintaining a clean driving record free of accidents and violations is crucial for securing lower premiums. Safe driving reinforces your position as a responsible driver, which can further lower your car insurance costs.
7. Combine Discounts for Maximum Savings
Don’t forget to ask your insurer about other potential discounts you may qualify for in addition to the defensive driving course discount. Other common discounts include multi-car discounts, good student discounts, and bundling home and auto insurance. Combining these discounts can amplify your savings.
By following these steps, you can take full advantage of car insurance discounts for defensive driving in Illinois. Not only will you save money, but you’ll also enhance your skills behind the wheel, making the roads safer for everyone.
