Take Defensive Driving

Today's strategy will save money on car insurance premiums although it might be kind of a pain to do so.

You can reduce the amount you pay for insurance by about 10% by taking defensive driving. This benefit will usually only apply if you have a good driving history.

Defensive driving classes can be used to overturn a ticket, fine, or points. If used for that reason, you cannot get the insurance discount for 3 years.

The class I took was 6 hours straight on a Saturday with a half hour for lunch. If that sounds too tedious, most locations will offer different options like 3 hours per day split over two days.

The class is really basic and you take a very simple exam at the end.


After completing the course, you get a certificate. Send that to your insurance company, and the discount is good for three years.

It was very cost effective too. The class I took was only $30, so it paid for itself really fast.


I would recommend this to everyone. For example, lets say that you have full coverage on your car and your insurance premium is $100 per month. With a 10% discount, you save $360 over the course of three years.

Six hours of time to save $360 over 3 years.

It might not be worth it to everyone, but if you have a office job like me, 6 hours isn't so bad.