Poor drivers are the main cause of rising Insurance rates, and in these tough economic times people are trying everything they can to reduce their monthly premiums. If you are comparing insurance rates and are looking for ways to qualify for discounts, consider the advantages of having completed Defensive Driving course. Insurance providers often give a sizable price break to those who prove themselves to be in a lower risk category, and now drivers can take an approved course online, without having to leave home to attend a class.

What Insurance Companies Look For
Regardless of age, drivers will often save money on auto insurance packages if they have completed a Defensive Driving and traffic safety school. This is in addition to discounts offered when more than one car is insured, a full collision and comprehensive insurance coverage is purchased, and if the driver owns his or her home. Defensive drivers are considered far less likely to be the cause of an accident, will be involved in fewer accidents overall, and will likely claim far less in monetary amounts per year.

Even if a driver’s record is spotless, having taken and completed a defensive driving course will often result in lower auto insurance costs, because these classes educate individuals on the rules of the road, the responsibilities of vehicle operators, the laws concerning drinking and driving, and how insurance companies favor those who drive defensively.

The Online TEA Defensive Driving Course
It can be very difficult to attend a class in person, because they are offered only at certain times and the locations may be far from home. Instead, Defensive Driving Solutions offers an online course that is approved by the Texas Education Agency (TEA) and is designed specifically to include instruction that is required by the courts in order to satisfy the judge that the driver is taking responsibility for having caused an accident or was cited for a major infraction. Insurance companies also honor this type of course because of the material that is presented.

The course is divided into sections that focus on different areas of safe driving. These include driver performance, state and local traffic laws, alcohol and its effect on motorists, and the importance of carrying proper insurance coverage. The course is complete with instructional videos, can be completed at the individual’s own pace, and concludes with a final exam. The exam can be passed with a 70 percent score and students have three opportunities to achieve this grade.

The Completion Certificate
After passing the final exam, drivers are mailed a completion certificate that is not only accepted by all traffic courts in the state of Texas, it is honored by insurance providers as well, should they request proof of having taken a defensive driving course in order to receive a price discount. It tells them that the driver has been educated further in the areas of safety and responsibility, and is now in a more preferred class of vehicle operator in terms of accidents and moving violations.

The course itself is a bargain at only $25, and those who take this online class will have all the time they need to complete it. For more information or to sign up for this unique online defensive driving school, visit Defensive Driving Solutions at www.defensivedrivingsolutions.com and prepare for lower insurance premiums tomorrow.