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Defensive Driving Course =10% Discount on Car Insurance

December 13th, 2007 at 08:37 pm

Here's a tip I just learned on how you might be able to cut the premium on your car insurance: Take a defensive driving course. You can take it ON-LINE ... Pretty neat, huh?

My DH (who is the primary driver on our one & only car) is going to complete an on-line course that our insurance company (GEICO) offers. The cost of the course is $19.95. When he completes the course, we will get a 10% discount on our automobile insurance for the next 3 years. At our current level of coverage, that equates to a gross savings of $124.80 and a net savings (after deducting the cost of the course) of $104.85 over 3 years.

We only have one car, and it is not worth a lot so we don't have very expensive coverage. If we had more than one or more expensive cars, our savings would be even more.

At this link, you can see each state listed with how much of a discount you can expect to receive and if there are any age requirements. In some states the discount is only for drivers 55 or older, and in some states the discount is voluntary. But in my state, Texas, there is a 10% mandatory discount and all licensed drivers are eligible.

http://www.firstnetlearning.com/offerings/costco/html/discount.htm

As you can see, this link is for Costco members. But I found out when I called Geico to verify that it is cheaper if I take the course through them.

If any of you are insured with Geico, here is the link to their course:

http://geico.amersc.com

Hope some of you can use this tip to save on your car insurance!

Posted in Uncategorized | 78 Comments »

78 Responses to “Defensive Driving Course =10% Discount on Car Insurance”

  1. fern Says:
    December 14th, 2007 at 04:34 pm

    It's not just GEICO that offers that course. MetLife does too. 10% discount for 3 years, and after that you can take the course again and continue the discount. It's really worth it.

  2. Melveta Turner Says:
    January 10th, 2008 at 10:01 pm

    Melveta Turner.I am 50 years old and resides in Florida.I am with Geico Auto Insurance for many years now and I deserve a lower Insurance rate.

  3. Frances Whittington Says:
    February 18th, 2008 at 10:50 am

    Just let me take the course

  4. Leroy Banks Says:
    February 26th, 2008 at 11:08 pm

    like to take the course

  5. scfr Says:
    February 27th, 2008 at 07:45 am

    Frances and Leroy,

    Each state has different laws. Some states require that all drivers be able to take a defensive driving course for a discount. In other states, it is only available for older drivers.

    You can contact your insurance company and ask them if they give a discount, and what your options are for taking the course.

    Our insurer (Geico) offered the course cheaper than what we would have paid taking it somewhere else.

    Good luck!

  6. Milton P Bruff Says:
    March 10th, 2008 at 07:56 pm

    I am willing, wanting, and hoping to take course

  7. Milton P Bruff Says:
    March 10th, 2008 at 08:08 pm

    what does URL mean?

  8. scfr Says:
    March 11th, 2008 at 06:42 pm

    I'm not sure where you are seeing "URL" but it means Uniform Resource Locator ... I'm not a computer expert, but it's how we tag a web site.

    Call your insurance company ... They should be able to fill you in on the details for your state.

  9. EJ DENNIS Says:
    March 17th, 2008 at 11:45 am

    I wnat to take the course How do I sign up?

  10. scfr Says:
    March 17th, 2008 at 05:41 pm

    EJ Dennis - I recommend you contact your insuarnce company (ask them if they offer a discount for taking the course in your state, how much they charge for the course, and how to take it).

  11. carolyn s. mombo Says:
    March 24th, 2008 at 08:19 am

    I need to know the next course date asap.

  12. scfr Says:
    March 30th, 2008 at 08:10 am

    Carolyn - The course we took was on-line and we could take it any time. I suggest you contact your insurance company for details.

  13. Tola Simeon Says:
    April 20th, 2008 at 05:58 pm

    how can I start?

  14. vicente n. coloyan Says:
    May 7th, 2008 at 11:22 am

    i want to enroll in the defensive driving course.

  15. Julie Says:
    June 6th, 2008 at 06:19 am

    I have been trying to connect with the geico.amersc.com link and I keep getting page not found. I know I am doing it correctly, any way of checking to see if they are having problems with the site?

  16. scfr Says:
    June 6th, 2008 at 07:21 am

    Julie, It looks like they have changed their site.

    Try this address:
    https://www.geico.com/information/states/

    Then click on your state to see if a defensive driving course discount is offered in your state.

    Good luck!

  17. Julie Says:
    June 6th, 2008 at 12:03 pm

    Thanks. I had already spoken with Geico so I knew they were offering it in the state of FL. I was told it would be $15.95 (promo) and the site you replied with says $19.95. Do you have any information on this?

  18. scfr Says:
    June 6th, 2008 at 12:50 pm

    Julie - I'm sorry, but I don't. My suggestion would be to call Geico again and ask them if they are still offering the promo. Good luck!

  19. Bendt Says:
    June 11th, 2008 at 08:49 am


    I just talked to Ceico and was approved for a cut.
    Ceico's offer to sign up by filling out the q on the net please let me know where are the q ??

    Thanks
    bendt

  20. scfr Says:
    June 11th, 2008 at 07:59 pm

    Bendt - You'll need to ask Geico that. Sorry, I don't work for them.

  21. Alpheus L. Chambers Says:
    July 8th, 2008 at 04:12 pm

    I find Geico Insurance Co. very professional, co-operative and client oriented. Keep up the good work

  22. Julie Says:
    July 10th, 2008 at 05:17 am

    I took the course, received the discounted rate, and the discount was applied to my auto insurance almost immediately after completion. I couldn't be happier on the way it all worked out, and it lasts for 3 yrs.
    Geico has proven, in more ways than one, that they put their customers FIRST!

  23. Elizabeth T. Mynchenberg Says:
    July 21st, 2008 at 03:11 am

    I want to take the defensive driving course

  24. Julie Says:
    July 29th, 2008 at 05:40 am

    Yes, that is correct and has been pointed previously out that this course and discount is not limited to GEICO customers. Everyone should check with their insurance company now that this course is available and cost saving. Thanks for the clarification and advice.

  25. scfr Says:
    July 29th, 2008 at 08:56 pm

    I have done a new blog entry, which hopefully provides better, more updated information:

    Text is http://scfr.savingadvice.com/2008/06/06/take-a-defensive-driving-course-for-a-di_39825/ and Link is
    http://scfr.savingadvice.com/2008/06/06/take-a-defensive-dri...

  26. jim hedleston Says:
    August 2nd, 2008 at 07:55 pm

    do both my wife and have to take the course to qualify fo the discount from AIG?

  27. scfr Says:
    August 3rd, 2008 at 07:38 am

    jim hedleston: That might vary depending on your insurer. Best thing to do is ask AIG We are insured with Geico and have only 1 car. My husband is the primary driver, therefore only he had to take the course. If we got a 2nd car, then I would have to take the course as well.

  28. Jacqueline Y. Duncan Says:
    August 5th, 2008 at 10:38 am

    The defensive mdrivingm course will be helpful to me.

  29. priscilla harrison Says:
    August 9th, 2008 at 09:42 am

    priscilla harrison
    gieco says this course will save me 10% on my
    car insurance ??

  30. scfr Says:
    August 9th, 2008 at 03:36 pm

    priscilla - If that is what Geico says, it is probably is correct.

    The amount they must give you as a discount depends on which state you live in.

    Here in Texas, our discount was 10%.

  31. Peter I. Giglia Says:
    August 17th, 2008 at 06:05 pm

    How do I get started on taking the driving course
    for my insurance discount?

  32. Joyce O'Dell-Lehmer Says:
    August 29th, 2008 at 03:53 pm

    please let me know how to take this course.

  33. William N. Dean Says:
    September 4th, 2008 at 02:43 pm

    Would like to take the course. Please send info.

  34. scfr Says:
    September 5th, 2008 at 10:06 pm

    Hello Peter, Joyce, and William: Hard to believe this post is still getting hits. Really, the best thing you can do is contact your insurance company and ask them. Good luck!

  35. Chester C. Fontz Says:
    September 8th, 2008 at 10:30 am

    very good

  36. Chester C. Fontz Says:
    September 8th, 2008 at 10:38 am

    this is a great place to save.

  37. D Dover Says:
    September 23rd, 2008 at 07:48 pm

    url

  38. D Dover Says:
    September 23rd, 2008 at 07:50 pm

    Sign me up

  39. JACK LABUA Says:
    October 22nd, 2008 at 04:29 pm

    NO COMMENT

  40. gilbert brown Says:
    November 11th, 2008 at 01:55 pm

    i signed up for the courand i cant finish the coursese and paid for it then the screen went blank

  41. scfr Says:
    November 11th, 2008 at 05:32 pm

    gilbert brown - Did you sign up for the Costco course? If so, I'd suggest you call them. According to the web site, their number is (866) 386-3225.
    Good luck - hope you can get it worked out.

  42. ralph Says:
    January 2nd, 2009 at 03:36 pm

    My insurance company in NJ finally allows taking an online course, but we only save 5% per driver. But on the plus side, with the high amount we pay, that's $150 over three years for a $40 cost per driver.

  43. scfr Says:
    January 2nd, 2009 at 08:52 pm

    ralph - That's great. As they say, $150 (or net $110) is better than a poke in the eye!

  44. Defensive Driving Says:
    January 29th, 2009 at 08:33 pm

    That is great. For how long the offer will be valid?

    -Martin

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