I remember about 7-8 years ago taking a defensive driving course offered by my employer to get a 10% reduction on my auto insurance. The course was boring and who wants to give up 4 hours a night for 2 nights when there is so much other stuff you could be doing? Well one thing I’ve done recently is take a defensive driving course again, however, this time the defensive driving course was all online. I haven’t gotten any tickets (well there were a few window tint tickets in my younger days) however nothing that would give me points on my driving record. I just wanted that 10% discount on my insurance again.
Right now I pay $393.28 every six months for auto insurance. That’s $786.56 a year that I’d love to have for something else other than auto insurance. Well if you’re like me and have a vehicle you’re stuck paying for auto insurance. You can take the online defensive driving course for New York at http://dayscarafileread.com/insurance/personal/ which is $24.95. I also decided to do some googling and look for a promo code for the website which I found $5 off at retailmenot.com. The promo code at the time of this writing is “NYMerchant” without quotes. The course will take you a minimum of 6 hours but took me closer to 8 hours. The nice part is you can take up to 30 days to finish the course so you can do a half hour here, 45 minutes there, etc.
The 10% insurance reduction lasts for 3 years and applies against your liability, no-fault, and collision insurance premiums. Another thing that this can be used for is if you have for example a speeding ticket. The online defensive driving class can take up to 4 points off of your driving record. This course ended up costing me $19.95 and will save me $215 over 3 years. Not bad since you have to pay for auto insurance no matter what if you’re driving your automobile legally on the streets. Your savings may even be greater if you drive a truck or nicer vehicle than a 2008 Honda Accord and have a higher insurance premium.
There is no test at the end of the class however there is a short test at the end of each module. The test questions were in my opinion mostly common sense and all of them were multiple choice. After you complete the course they will mail you a certificate to send in to your insurance company. You can also take the course on a tablet device so you can do it right from the comfort of your couch or bed if you prefer.
All in all I would say that taking this course was painless and definitely worth the time it took for the savings. For me it took 8 hours, so with a $215 savings it was like saving $26 an hour for my time to take the course. Maybe your time is more valuable than $26 an hour and it’s not worth your time to take the course. I know that for me, every little bit helps and I’m sure if you’re reading this blog you may be looking at ways to save a little extra cash also.
Another thing you may want to consider is getting a few different quotes from different companies for a lower premium. You would be amazed at how many people don’t do this. You could save a decent amount of money just by checking out a few websites in under an hour. I personally go through http://dayscarafileread.com/ for my auto insurance because they looked at a bunch of different insurance companies for me to get me a lower rate.
If you have any helpful way to save money on auto insurance please comment!