Do I need to buy rental car insurance? The trip you’ve been planning is finally here. After a long flight, you collect your luggage and head to the rental car counter. As you review the paperwork, the agent asks, “Do you want insurance on the car?” You frantically try...
Whether you were caught speeding (or worse), you’re looking for a discount on your car insurance, or you simply want to be a better driver, there are a wide range of defensive driving and driver improvement courses available here in Rosemount and the Twin Cities metro these days and many can be done virtually!
But, which is right for you? Here are five tips to help you decide:
1. Check with your state or municipality. If you’re taking training to avoid a traffic infraction, not just any course will do. You’ll need to take an approved course – ask for a list before signing up.
2. Check with your insurer. The same goes if you’d like to potentially save on your car insurance. Your carrier may only offer a car insurance discount for completing certain courses. Also ask how much your discount will be — this will help when it comes time to choose a course.
3. Choose the type of course. There are online and classroom options, typically ranging from 4-12 hours depending on the course material. And, there are advantages to each. Online courses offer convenience (and sometimes a lower cost), while in-person settings can provide more interaction.
4. Determine how much you want to spend. If you’re trying to avoid a ticket (and a potential increase in your insurance premiums), the cost might not be much of an issue. If you’re taking a course to receive an insurance discount, however, make sure the total discount you’ll receive is greater than the cost of the course.
5. Check out the reviews. Online review sites, such as Yelp, can show you what others thought of a course. Keep in mind, people who felt “forced” to take a course might have a biased opinion, especially compared to someone who took the course willingly. No matter why you’re considering a defensive driving course, we’re happy to help you weigh the pros and cons. The biggest pro being, once you complete your training, you’re likely to be a little more careful the next time you get behind the wheel. And, that always pays off!
Here in Minnesota, St. Cloud State University offers some great in person and virtual class options. You can check them out here: https://www.stcloudstate.edu/continuingstudies/mhsrc/55-plus/classroom.aspx
Once you’ve completed your course, don’t forget to let us know so we can be sure to add it to your policy for your discount!