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Safe driving programs can lower driver insurance costs

Driver education courses are an effective method for reducing the number of accidents and injuries, which is why many insurance companies give discounts on driver insurance for consumers who pass a qualified safety class.

Less experienced drivers such as teens tend to benefit the most from these programs. Teens usually experience a higher rate of accidents and, as a result, have to pay much higher premiums on their driver insurance, experts say.

Teen drivers also tend to take more risks when they drive. Recent studies have found that young people engage in the risky practice of sending text messages while driving at a much higher rate than older drivers.

Several courses sponsored by public safety groups and insurance companies are offered during the summer months, which is the most deadly time of the year for teen drivers.

Upon successfully completing these programs, teen drivers may be able to qualify for insurance discounts. Good students can also qualify for a discount from many insurers.

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