Car Insurance is expensive, especially if you’re a guy or under 25. You can’t get a sex change or fake your age (well, you could try the latter, but it probably won’t get you very far).

Of course, you can also have fewer accidents. Not all accidents are your fault, though. Many insurance companies will cheerfully blame you for all of them. Or you can pick a car that has a good safety record. That usually means a boring car, one that isn’t much fun to drive, but with Insurance Rates the way they are, what can you do?

You can, of course, always shop around, but is that cheap Car Insurance worth the paper it’s printed on? Are they going to make excuses not to pay up when you do get into an accident? Or triple your rate afterwards?

And what if you have a ticket on your record? That could make your rates shoot up. You are determined to lower your Car Insurance Rate in Texas, but what can you do?

Fortunately, there’s an option not many people know about. You can take a defensive driving course, Texas Education Agency approved course, and you can even take it entirely online. In some cases, taking a State of Texas approved defensive driving course can get a ticket off of your record and many insurers will offer a discounted rate to drivers that have taken one of these courses. A court may also allow you to take the course instead of paying a fine for a moving violation.

With reductions of up to ten percent for three years, the low cost of the course makes it well worth it. On top of that, insurers offer these discounts for a reason. They know that taking a defensive driving course really can make you a safer driver. Even if you don’t need to deal with a ticket and are happy with your insurance rates, you can take it just for education. The course is entirely designed to teach you the techniques you need to be a safer driver, and statistics prove that drivers that have taken the course have fewer accidents and violations. So, not only will you lower your insurance rates right now, but you will reduce your risk of having them go up again in the future. Given how cheap it is, why not retake it every couple of years and keep the insurance benefits?

Visit Defensive Driving Solutions. Once there, sign up for the simple, entirely online course. After you complete the course, Defensive Driving Solutions will mail you a certificate, which you can then send to your insurance provider. In three or four weeks, your rates will go down. To find out whether your insurance provider offers a discount, give them a call. Sign up today and reduce your insurance rates tomorrow.