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Texas Car Insurance School Discounts

If you are looking for a way to save money on Texas car insurance, school discounts are worth considering. When you enroll in a driver’s education or defensive driving course, you are increasing your knowledge of how to keep yourself (and other people on the road) safe when you are behind the wheel.

When you are speaking with your agent about auto insurance in TX, school discounts should be part of that conversation. If the subject of school discounts on Texas insurance isn’t brought up by the agent, then be sure to ask whether you can get a break on pricing if you can show documentation proving that you have taken a course.

When you are finished reading this article and finding ways to lower your premium through insurance school then use our free Texas quote comparison service to compare cheap Texas auto insurance from competing insurance companies.

Texas Insurance School Discounts: Defensive Driving Courses

Defensive Driving Course for Individuals: 

Several companies in Texas offer defensive driving courses. You don’t need to actually to go a classroom anymore to get the benefits that a completion certificate will provide you. Many schools offer online courses that you can take at your convenience.

Once you have gone through the course materials, you will be given a quiz. You will need to get a passing grade before your certificate of completion will be issued. Many companies offering defensive driving courses will send you your certificate the day after you have successfully passed the course so you can start saving on your car insurance right away.

Some of the advantages to completing an online defensive driving course are as follows:

  1. You will typically get a 10 percent reduction on your auto insurance premiums.
  2. The reduction on your car insurance will be in effect for three years. Your discount will stay in place, even if you change insurance companies.
  3. Most TX car insurance companies will offer you the discount, with the possible exception of county mutual insurers.
  4. The course can be taken at time convenient to you.
  5. The course doesn’t need to be completed in one sitting. You can log in and read the materials, log out when you need to take a break or have to look after other responsibilities, and log in again when you would like to continue.

Defensive Driving Course for Businesses: 

If you employ drivers as part of your business, you may want to consider paying the fee for them to enroll in a defensive driving course. It makes sense to help your employees get the skills they need to avoid accidents. Not only will you reap the benefits in lower insurance costs, but you won’t have to deal with the following:

Lost Productivity when Drivers are Unable to Work
Lost Productivity when Company Vehicles are Not on the Road

Making sure that your drivers have the knowledge and the skills they need to drive safely and reduce the likelihood they will be involved in an accident makes good business sense. When you pay the course fee, you are making an investment in your employees that will pay off in the long run.

Texas Insurance School Discounts: Driver’s Education Courses 

In Texas, teenagers who want to get a driver’s license must demonstrate that they have successfully completed an approved driver’s education course. Adults who are new drivers can also benefit from taking a driver’s education course, even though they are not legally required to do so.

You can get this valuable knowledge without having to step into a classroom. Driver’s education classes are available online. Take the course wherever it’s most convenient for you: 

  • In Your Home 
  • At School 
  • Anywhere with Internet Access

Choosing an online course means that you don’t need to be concerned about workbooks, handouts, or manuals. Loading a CD or a VHS tape is not required.

Before you sign up for an online driver’s education course, do ask about the course content and whether it covers the laws of your home state and whether it includes drug and alcohol awareness training. It’s always a good idea to ask whether a course syllabus is available so you understand exactly what you are getting.

Ask whether you will be provided with a certificate of completion when you have finished the driver’s education course and check with your insurance company to find out whether the company will recognize your certificate when you ask for a reduced rate on your coverage.

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