Defensive Driving And Insurance In Georgia
Many factors go into the calculation for your total car insurance in Georgia, age, gender, prior driving record, location, expected mileage driven and others are used to determine what you, as a consumer, will need to pay out each month in order to properly insure yourself and your vehicle in the state of Georgia. While these factors are used to come up with a base rate, there is one thing that everyone should do to help lower their monthly bill and that is attending a defensive driving course in Georgia.
Defensive driving in Georgia can save you money off of your insurance in many different ways. The first way you can benefit from defensive driving in Georgia is the percentage reduction from your base rate. Different states have different policies around the exact amount of the reduction but in general in Georgia you could expect at least a 10% reduction in your monthly insurance bill by attending a defensive driving course. If you are currently paying $100 a month for insurance, over the span of a year, defensive driving would save you $120 for taking a course that could cost you as low as only $25 to take in some places. The best part of taking defensive driving course in Georgia is that the reduction is good for three years which translates to a $360 savings for taking a $25 course.
The second way defensive driving in Georgia can really save you money off of your insurance is if you have been involved in an accident or have moving violations on your record. When you have been involved in a driving violation chances are you have had points added to your license. Eventually, your insurance carrier will notice and add points to your insurance policy as well.
These points impact you in two ways:
• The points put on your policy will cause an increase in your insurance premium. The greater the violation, the more points assigned to you, the more points assigned to you, the more you will pay. Each time you get a speeding ticket, run a red light or are involved in a bumper to bumper accident, you could see a very noticeable increase in your monthly payment.
• In addition to the insurance points, the points put on your driver’s license could eventually lead to your license being suspended. The point system was put in place so that the Department of Motor Vehicles could suspend the licenses of habitual traffic offender. If you receive too many points in a set period of time, you may lose the privilege of driving.
By attending a defensive driving course in Georgia, most states offer a point’s reduction incentive. When you complete and pass the course, you can notify the Department of Motor Vehicles and show proof of completion. Once processed, this will result in a reduction of points on your driving record. As far as insurance, when you complete the defensive driving course in Georgia, contact your insurance carrier and they will also provide you with discounts to help reduce your overall payment. Keep in mind, in some states, one single point could cause a 40% increase in your insurance policy and this holds pretty true in the state of Georgia. While defensive driving in Georgia will not be able to get you back to where you started, it can definitely help reduce your new premium as well as help teach you some techniques to avoid future traffic violations.
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