Going to Traffic School Can Lower Your Car Insurance Rates

Going to traffic school is an easy way to get cheaper auto insurance that many people aren't aware of. Classes are available after normal business hours, or you can take it online in your spare time. The classes are typically around 8 class-hours long, but going to traffic school can lower your car insurance rates, making it worth a few hours of your time. Enter your ZIP code below to see how much you can save with a driver improvement course.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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Attending a voluntary driver improvement course is a way to get cheaper car insurance rates that many people are not aware of. If you are trying to fit the coverage you need into a budget you can afford, traffic school is a possible option to lower your car insurance rates.

Keep in mind that you will have to pay the cost of the course, but the discounts will typically more than make up for what you have to pay out a single time for the course.

Courses are Convenient

Going to traffic school to lower your insurance rates is convenient as well. Classes are available after normal business hours, or you can take it online in your spare time. The classes are typically around 8 class-hours long, but you can accelerate the program if your schedule allows it, completing an online course in a shorter time.

Mandatory Discounts

Several states require insurance companies to give mandatory discounts to people who take school. In most cases, the discounts are valid for a 5 year period after taking the course, but your state DMV, Department of Insurance or local insurance agent can give you the details for your specific lo9cation.

Why Traffic School Lowers Rates

Statistically, you become a lower risk to insure after taking a driver improvement course, and that means that the insurance companies are less likely to settle a claim on your behalf than before the course was completed. Because the risk is lower, the savings are passed back to you in the form of a discount.

Insurance Discounts are Cumulative

Insurance Discounts add up as you qualify for more of them. For example, you could be receiving a safe driver discount, attend an online traffic school and receive discounts for both. So coupling your traffic school with as many car insurance discounts as possible will save you the most, and the traffic course will keep saving money for several years.

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