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Does Drivers’ Ed Reduce Auto Insurance Premiums in Canada?

Does Drivers’ Ed Reduce Auto Insurance Premiums in Canada?

November, 08 2021

When parents think about their teens driving, they want them to be as safe as possible. Parents also want ways to reduce the cost of adding a new driver to their insurance. But there are questions that many parents ask themselves: Is Drivers’ Ed worth it? Will they be a safer driver? Will it reduce insurance premiums?

What Is Drivers’ Education?

Drivers’ Education is a course that drivers take to prepare themselves for the road. It includes both behind-the-wheel time and in-class lessons on safe driving habits, traffic laws, defensive driving techniques, etc. Drivers’ Education is provided by a government-approved school, such as Young Drivers of Canada.

Why Take Drivers’ Ed?

In addition to learning how to drive safely, Drivers’ Education provides drivers with the necessary training they need to pass their initial road test. Driving instructors can’t teach everything on a driving test; Drivers’ Education is an excellent way for teens and new drivers to gain this knowledge.

The Effect of Drivers’ Education on Insurance Premiums

Can taking Drivers’ Ed reduce insurance premiums? The short answer is yes! Many auto insurance companies offer discounts or lower rates for drivers who have completed Drivers’ Ed. This discount does not apply only when you complete your course either; it applies well after completion, too.

Note: Some car insurance providers also give discounts if you complete a defensive drivers course.

How Much Does Drivers’ Ed Cost?

Drivers’ Education can cost anywhere from $300 to $700, depending on where you live and how long your program is – the more extended programs will be more expensive. Many drivers elect to take Drivers’ Ed in their community, so they don’t have to travel too far or pay for accommodation during class time.

It also allows them to practice driving with local instructors who know their region well and may even offer helpful tips specific to that area. Ultimately, Drivers’ Ed is worth it: it gives drivers the knowledge and experience needed when taking the road test, and gives them discounts off their car insurance premiums. It teaches safe driving habits behind the wheel. Many parents find Drivers’ Ed to be a wise investment.

Find out your savings here.

How Long Does Drivers’ Ed Take?

Drivers’ Education can take anywhere from 24 to 30 hours, depending on the course you choose. Some systems offer additional lessons and one-on-one time with instructors to help drivers better understand what they’re learning and prepare them for their road test.

It’s crucial drivers remember that Drivers’ Ed is a privilege, not a right. In most provinces, drivers must be at least 15 years old to enroll in Drivers’ Education.

How Much Does Drivers’ Ed Reduce Auto Insurance Premiums?

Auto insurance premiums are determined by many factors such as where you live, the kind of vehicle you drive, the number of vehicles, age of the drivers, grades of young drivers, and whether the driver has completed an approved Drivers’ Education course. Many parents report reducing their teen’s insurance premium by hundreds of dollars and sometimes more after submitting proof of completion of a Drivers’ Ed course. The savings can vary from 5% to as much as 20%, depending on the insurer.

Indirect Savings From Taking Drivers’ Ed

There are also some indirect savings from taking drivers ed. Speeding tickets and other infractions can add up quickly and increase your premium. Studies have shown individuals who attend Drivers’ Ed are far less likely to receive speeding tickets.

This saves you the cost of the ticket, but there is another benefit. People who speed are much more likely to be involved in an accident. The in-class training goes over the importance of obeying all traffic laws, which provides indirect savings.

Do Young Drivers Have To Take Drivers’ Ed?

Young drivers do not have to take Drivers’ Education to receive a driver’s license. However, it is a good idea because the safety instruction is valuable, but it typically reduces the cost of insurance for a new driver.

How Old Do You Have To Be To Take Drivers’ Ed?

In most provinces, you can begin taking Drivers’ Ed classes at or shortly before your 16th birthday. Therefore, it is essential to check the availability of courses in your area well before the date you would like to enroll.

Is Drivers Ed Just for Teens?

No. Drivers’ Education training can be taken at any age. However, mature drivers who have had a license for years find driver training valuable. Adult drivers may also be eligible for discounts on their insurance.

Other Important Considerations

Even after Drivers’ Ed is completed and the discount applied to your car insurance premiums, the driver must continue practicing safe driving habits on the road. Safe driving includes following traffic laws, obeying speed limits, never texting or talking on a phone while behind the wheel, not drinking and driving, and always wearing a seatbelt.

Safe drivers are less likely to cause an accident, leading to lower auto insurance rates. Keep these tips in mind next time you get behind the wheel of a vehicle so you can safely navigate our roads, and Drivers’ Ed can pay off.

Final Thoughts

Drivers’ Education is a worthwhile investment for drivers of all ages. The benefits can be measured in both direct and indirect savings on your auto insurance premiums and lowering the risk of an accident, which will lead to lower rates down the road.

Drivers’ Education can make a real difference in the cost of your auto insurance premiums. With additional savings from lower accident rates, drivers who complete Drivers’ Ed are likely to save much more than they spend on classes.

For more info about Drivers’ Education and how it affects auto insurance, contact the insurance experts at dulibaninsurance.com or call 855-DULIBAN.

External links:

  1. https://yd.com/
  2. https://en.wikipedia.org/wiki/Driver%27s_licences_in_Canada
  3. https://www.cbc.ca/keepingcanadasafe/blog/how-many-of-these-safe-driving-tips-do-you-follow

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