Finding ways to lower your car insurance premiums is a priority for many drivers in Illinois. One effective method is to take a defensive driving course. Not only does it help you become a safer driver, but it can also qualify you for significant discounts on your car insurance. In this article, we’ll explore the best defensive driving course discounts available for car insurance in Illinois.
The first thing to understand is that many insurance companies in Illinois offer discounts for completing state-approved defensive driving courses. These courses teach emergency response techniques, hazard recognition, and a myriad of safe driving practices that can prevent accidents.
Here are some of the most notable discounts offered by major insurance providers:
- State Farm: State Farm offers a discount for completing the National Safety Council’s Defensive Driving Course. You can save up to 10% on your premium.
- Allstate: Allstate provides a discount for completing an educational driving course, which generally results in a reduction of 5-15% on your premiums.
- Progressive: If you complete a defensive driving course approved by Progressive, you may qualify for a 10% discount on your policy.
- Geico: Geico offers a discount of up to 15% for drivers who take an approved defensive driving class. Their focus is on minimizing risks and enhancing road safety.
In addition to standard discounts, some organizations offer additional incentives. For instance, if you are a member of an automobile association, you may have access to even better rates on defensive driving courses. Membership may also entitle you to discounts on your insurance policy afterward.
Online defensive driving courses have gained immense popularity due to their convenience. Providers such as I Drive Safely, Defensive Driving, and the National Safety Council offer courses that can be completed at your own pace. Make sure to check if the course you select is recognized by your insurance company to reap those savings.
It’s important to note that the discounts you receive may vary depending on several factors including your insurance provider, driving history, and the specific course you complete. For this reason, it’s best to consult with your insurance agent to understand the exact discounts available to you.
In conclusion, taking a defensive driving course in Illinois is an excellent way to not only improve your driving skills but also to earn discounts on your car insurance premiums. By researching and selecting an approved course, you can ensure that you are getting the maximum benefit possible. Don’t forget to inquire about any additional savings your insurance company may provide.
