Driving is unpredictable, as you may encounter road hazards, bad weather, or erratic drivers. While you cannot control these issues, taking a defensive driving course gives you the skills to respond safely if they are present. Plus, car insurance companies often offer rewards to drivers who complete a program. Below are several advantages of enrolling in these lessons.

Why Should You Take a Safe Driving Course?

1. Avoid Accidents

Knowing how to react during an emergency can help you avoid an accident and get home safely. Defensive driving courses teach you a variety of skills that supplement this, such as what to do if your car starts to skid in the rain or someone pulls in front of you. These lessons also aim to correct common behaviors that increase your risk of an accident, such as speeding and tailgating. Then, they will inform you of reliable habits that increase your awareness on the road, like checking all mirrors and using your turn signal before switching lanes, as these methods can prevent collisions and traffic infractions.

2. Lower Insurance Premiums

Most car insurance companies offer substantial discounts to drivers who successfully complete an approved course. This is because taking steps to reduce your overall risk of an accident means you are less likely to file a claim, which saves the insurance provider money. Also, if you’ve recently added a teen driver to your policy or purchased an expensive vehicle, this discount can bring your costs down without sacrificing the necessary amount of coverage.

3. Reduce License Points

In Ohio, getting a traffic ticket or causing an accident adds points to your license. If you collect 12 points within a two-year period, you face an automatic license suspension. Getting your license back involves paying hefty fees, acquiring SR-22 insurance, and completing a defensive driving course. However, being proactive and taking a defensive driving course before a suspension often results in the Bureau of Motor Vehicles taking points off your license. This can save you considerable money, as you won't have to pay reinstatement fees or higher premiums charged by car insurance companies.

If you need help finding affordable auto insurance, contact 1st Choice Insurance in Fairfield, OH. This independent agency works with many car insurance companies to help you get back on the road at the best rate possible. They also specialize in high-risk insurance and SR-22 bonds. Visit the website for more information about their services, and call (513) 860-0666 to request a free quote.