Who does not want to save money especially in this period of recession, which seems to be unending? Everyone will have their ears perked up on hearing about any single chance of saving money on any single object they buy, hire or operate. Online driving courses in many states give the car owners a great chance to save money on premiums on auto insurance and many other costs for possessing and maintaining a vehicle.

These Online Driving Courses are generally re-educational or refresher driving courses. You just need to log in to find your self in an animated onscreen world driving along a virtual road facing numerous critical driving situations that give them a test of their driving skills.

Some states offers a discount of 5 to 15% on your Auto Insurance Premiums after you complete the Online Driving course successfully. The maximum time limits for these discounts are generally three years. You need to re-take these courses to get another discount covering the same time period.

Why Online Driver courses?

Online driving courses definitely brings a reduction in auto insurance premiums in some states but in other sates online driving courses means other forms of money saving schemes like

ð Ticket dismissal

ð Fine reduction

ð Point reduction

More than 25 states offer online driving courses to serves on or more of the above mentioned purposes. But before the states can offer these online courses and the insurance companies are authorized to approve them as a criteria for acquiring discounts on car insurance premiums, the program needs to be legalized by the particular state legislatures.

In those states where the online courses on driving has not yet been approved legally for getting a cut off on car insurance premiums, some insurance providers allows a “good driver” discount to their policy holders who successfully completes this course.

New York is the latest addition to the list of the states offering discounts on auto insurance premiums of a sum of around $50 to drivers who have taken an online course for driving. This program has been initiated very recently so it is not yet possible to publish any hard data reflecting the exact number of drivers who have completed this course but those who have completed is surely in line to receive as much as a 10% annual reduction in their premiums, clarified by the New York Department of Motor Vehicles.

New York, like many other states in US, has been offering defensive-driving refresher courses in class rooms since 1970s.

These online courses might be formulated by private companies but the inputs and informations required to do it is acquired from the Departments of Motor Vehicles or the Secretary of State Offices in each state to ensure that the courses meet the standards set by the state.

These courses offer convenience to those who cannot pursue the driving programs in class rooms due to being pre-engaged in other activities or who have not refreshed their knowledge of driving in last 30-40 years or more since they got their license. These courses are highly beneficial as they provide instructions on good defensive –driving behaviors. It is estimated that about 650,000 motorist in New York has completed the class room program of the course in the year 2008.