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Going to Traffic School Can Lower Your Car Insurance Rates

Attending a voluntary driver improvement course is a way to get cheaper car insurance rates that many people are not aware of. If you are trying to fit the coverage you need into a budget you can afford, traffic school is a possible option to lower your car insurance rates. Keep in mind that you will have to pay the cost of the course, but the discounts will typically more than make up for what you have to pay out a single time for the course.

Courses are Convenient

Attending traffic school to lower your insurance rates is convenient as well. Classes are available after normal business hours, or you can take it online in your spare time. The classes are typically around 8 class-hours long, but you can accelerate the program if your schedule allows it, completing an online course in a shorter time.

Mandatory Discounts

Several states require insurance companies to give mandatory discounts to people who take school. In most cases, the discounts are valid for a 5 year period after taking the course, but your state DMV, Department of Insurance or local insurance agent can give you the details for your specific lo9cation.

Why Traffic School Lowers Rates

Statistically, you become a lower risk to insure after taking a driver improvement course, and that means that the insurance companies are less likely to settle a claim on your behalf than before the course was completed. Because the risk is lower, the savings are passed back to you in the form of a discount.

Insurance Discounts are Cumulative

Insurance Discounts add up as you qualify for more of them. For example, you could be receiving a safe driver discount, attend an online traffic school and receive discounts for both. So coupling your traffic school with as many car insurance discounts as possible will save you the most, and the traffic course will keep saving money for several years.