With virtually everything skyrocketing in price these last few years, it may feel like an impossible task trying to find an “affordable” insurance plan for your vehicle(s) in 2023. However, there are proven ways of getting the best deal possible. Shopping around, enrolling in a defensive driving class, bundling, and more are some ways drivers can stay within budget. I Day Or II Nights Defensive Driving & DUI has some great tips for lowering your insurance rates and improving your driving skills. 

What Do Car Insurance Companies Check?

Wdefensive driving classhen insurance companies are trying to determine what price to charge applicants, they look at the level of risk they’ll be required to take on. Just a few of the factors that will increase the level of risk, and thus cost are:

  • DUI Conviction (Providers may even deny convicted applicants altogether.)
  • Auto Accidents
  • Traffic Violations
  • Vehicle Driven by Young Drivers (Typically under 25 years old.)
  • Credit Score
  • Location (Higher rates for city drivers than rural drivers.)

What Can Drivers Do to Lower Rates?

Now that we know some of the things that insurance companies look at to calculate a price, we’ll go over a few of the best ways to lower it.

Shop Arounddefensive driving class

It’s not uncommon for drivers to stick with whichever insurance company they started out with. It’s familiar and switching to another provider seems intimidating. However, this can cost you hundreds each year. And don’t blindly believe the commercials and advertisements of companies claiming to have the lowest rates.

Insurance rates are calculated at the time of renewal or when you apply for a new policy. It’s recommended that you get quotes from multiple providers before committing to or renewing a policy, especially if your driving record changed. You might find that you have been overpaying by hundreds of dollars.

Enroll in a Defensive Driving Class

People usually only consider driving courses like a defensive driving class as something exclusively for new drivers. Car insurance providers, however, understand that we’re never too old to learn safe driving habits or get a refresher. Therefore, to encourage and promote safe driving, plenty of insurers offer a discount to drivers that take a driving course.

Safe Driving and Usage-Based Policiesdefensive driving class

To further encourage safe driving, you’ll find that some insurance providers offer safe driving discounts through things like usage-based policies that track your driving habits through technology in the car and, based on the data it collects, customize your rate automatically. 

Safe drivers may see their rates reduced while unsafe drivers could pay more than they would with a standard policy.

Lower Your Premiums With Our Defensive Driving Class

When you avoid the factors that lead to higher rates and follow the advice that is proven to lead to lower rates, you can expect to see incredible savings, year after year. I Day or II Nights Defensive Driving & DUI has assisted drivers and families all over Georgia save money while also creating safer roads.

Contact us for live, online classes that help drivers in need of ticket dismissal, point reduction, license reinstatement, fine reduction, or insurance premium discounts.

If you have questions or would like to enroll, Contact Us Now or Call Us at 678-940-5112. We are looking forward to hearing from you.

defensive driving class