Does taking a defensive driving course reduce my insurance premiums if I don't have any points?

[psteng19]

It probably varies by insurance company, but for the most part, will it reduce my premium (liability only)?

No moving violations, accidents in the past 5 years, NJ state.
Don't feel like calling my insurance company.

 

[njmodi]

Depends on your state too.

 

[Queasy]

Originally posted by: psteng19
Don't feel like calling my insurance company.

Well....that would be the source of a definitive answer to your question...

 

[chowmein]

maybe a few hundred, def. driving school helps reduce pts on your license. in your case you don't have any.

 

[BobDaMenkey]

Your company would know. We can't know without knowing the state/company you're with/in.

 

[psteng19]

Originally posted by: Queasy

Originally posted by: psteng19
Don't feel like calling my insurance company.

Well....that would be the source of a definitive answer to your question...

Don't feel like talking to those bastards that are raping me up the wazoo with their rates :|

Anyone have firsthand experience with this?
Just a general type question that might yield a quick answer.

 

[BigJ]

In NY, I believe it was a 10% reduction in cost after I took defensive driving. That saved me about $250 a year, which is quite a bit for a 17-18year old.

 

[isasir]

Yeah it should. When I took my def. driving course from AAA, they basically asked if I was there for point reduction, insurance decrease or both. I checked both.