Is it true that going to Driver’s Ed. Will give me discounts on my car insurance? If so, what kind of classes should I look for here in Los Angeles, California?

Raymond

Los Angeles, CA

Yes, Accredited defensive driving schools and institutions can definitely qualify you for some discounts towards your auto insurance rates there in Los Angeles, California. Now the amount and duration of the discount you get will vary between states but the aim is generally the same. The safer the driver you become, the less the chance of you filing for an insurance claim and the less expensive for the insurance company to provide you further auto insurance coverage, thus the savings are passed on to you.

Defensive Driving Courses or Lessons can usually be taken with your State Department Of Motor vehicles but then again there are a lot of local accredited schools in your area that you can choose as well. These courses are offered to the general public, without any virtual limitations on the students age. Once you get your certification, call up your insurance provider so they can process applying the discount immediately.

You should still get in touch with your insurance provider before you undergo such classes though. Each Insurance provider will have their own rules or policy on how and when you will be receiving the additional discounts on your car insurance premiums. You should get at least three years worth of discount with most auto insurance companies. Some can add the discount immediately while others might insist adding it at the end of your insurance term so get the details first to know what you will be expecting after taking the said classes.

Tags: auto insurance online, auto insurance premium, car insurance company, car insurance discounts

I have a friend in Los Angeles California who was arrested for drunk driving. Prior to that, we both had signed up for an auto insurance. What would be the possible effect of his arrest to his auto insurance?

Martha

Los Angeles, CA

Most drivers like your friend may wonder what could be the impact of being arrested for drunk driving, especially in Los Angeles, California where DUI and DWI is never tolerated and observe strict policies on driving automotive vehicles. This actually does not only impact your car insurance but as well as your driving privilege. The sad truth is that drunk driving conviction may cause your car insurance company to increase their rates, or worst terminate your policy. Insurance companies formulate their premium rates with risk factors. That means, the higher the risk is, the more they charge you with premium rates. They actually base this on an individual’s driving record. This includes the number of tickets, previous DWI/DUI records and accidents that you had during your driving life.

Your friend is not obligated to report his or her drunk driving arrest to the insurance company, not unless he or she gets convicted or the driver’s license is suspended or revoked in a motor vehicle department administrative action. Your friend will likely be required to file an SR22 or formal certificate of insurance if she/he gets convicted. Because of this, it is critical to consult an insurance professional who is expert about DUI / DWI convictions after drunk driving arrest. Then I also suggest that your friend start looking for an effective and cost efficient car insurance. They offer free insurance auto quotations on this web site by the way.