Was chatting with my neighbor yesterday, and he mentioned something kinda interesting—apparently, in Virginia, some insurance companies offer discounts if you take a defensive driving course online. I had no clue this was even a thing. He said it shaved off a decent chunk from his monthly payments. I'm thinking of giving it a shot, but has anyone else tried this? Curious if it's worth the time or if there's any catch I should know about...
I've heard about those courses too, and while they can save you a bit, it's not always a huge discount. Took one myself a couple years back—honestly, it was kinda tedious and took longer than I expected. Plus, my insurance only dropped by like 5% or something. Might wanna double-check with your insurer first to see exactly how much you'd save before jumping in...could be worth it, but don't expect miracles.
"honestly, it was kinda tedious and took longer than I expected. Plus, my insurance only dropped by like 5% or something."
Yeah, I get where you're coming from—those courses can feel like a drag sometimes. Took one myself last year, mostly out of curiosity and hoping for a decent discount. Honestly, the savings weren't huge (around 7% for me), but I did pick up some useful tips that actually helped me avoid a minor fender-bender recently. So even though the financial benefit wasn't exactly life-changing, I'd say it was worth it overall.
Definitely agree about checking with your insurer first though—discounts vary quite a bit depending on your provider and policy specifics. Some companies offer better incentives than others, so it's always smart to ask upfront before investing your time.
I had a similar experience—did the course hoping for a decent discount, but the savings were pretty minimal. Still, I found the refresher on defensive driving techniques surprisingly helpful. It made me realize how many little habits I'd picked up over the years that weren't exactly safe. Curious though, has anyone found other practical ways to lower premiums without jumping through hoops like these courses?
I looked into this a while back and found that bundling home and auto insurance actually made a bigger difference for me. The driving course discount was pretty minor, especially since I drive a luxury car—still, every bit counts I guess.
