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One of the easiest ways to do both is through an online or in-person defensive driving course. These courses could save you an average of 3% to 10% on your car insurance premiums.
Let's look at an example: If you're paying $1,500 annually for car insurance and qualify for a 25% telematics discount through safe driving habits, you'd save $375 per year.
A commonly required liability insurance is $25,000/$50,000/$25,000. Here's how it breaks down: $25,000/$50,000 for personal injury (PI) liability.
A driver safety program called the Driver Example Program was developed in 1964 by Chris Imhoff of the (US) National Safety Council. [3] The program instituted a Defensive Driving Course (DDC). Defensive Driving Courses, along with Instructor Development Courses were offered beginning 1964 and 1965, typically through corporate sponsorships.
Traffic School by Improv is approved by various state jurisdictions to administer defensive driving courses. [7] The courses, which may allow traffic offenders to have tickets waived, fines reduced, or penalty points eliminated, are intended both to entertain and to educate. [8] In some states, auto insurance rates may also decrease. [9]
The Smith System is a defensive driving strategy [1] created in 1952 by Harold L. Smith. [2] [3] Smith's goal was to increase the safety of commercial drivers. [2]After he opened the Safeway Driving School in Detroit in 1948, [4] Smith established the Smith System Driver Improvement Institute in 1952.
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