Saving on auto insurance while becoming a safer driver is a smart choice, and in Oregon, completing a defensive driving course can help you achieve both. Oregon’s Department of Motor Vehicles (DMV) has approved several motor vehicle crash prevention courses that can qualify you for insurance discounts, especially if you’re 55 years or older. In this guide, we’ll cover everything you need to know about the Oregon Defensive Driving Course and how to get the most out of your insurance discount.
What is the Oregon Defensive Driving Course?
The Oregon Defensive Driving Course is designed to improve drivers’ road safety skills, with the added benefit of potentially lowering their auto insurance premiums. These courses are approved by the Oregon DMV and offer training that includes accident prevention techniques, hazard recognition, and Oregon traffic laws.
Understanding the Defensive Driving Course
The course typically covers essential areas such as:
- Defensive driving strategies
- Safe driving practices
- The impact of alcohol and drugs on driving ability
- How to navigate various road conditions safely
Courses are available both online and in-person, making them accessible and convenient.
Benefits of Taking a Defensive Driving Course
Completing a defensive driving course in Oregon comes with multiple benefits, including:
- Insurance Discounts: Drivers can qualify for insurance premium reductions after completing an approved course.
- Improved Driving Skills: The course helps you become a safer, more confident driver.
- Legal Benefits: For some traffic violations, completing the course can help dismiss a ticket or reduce points on your driving record.
How the Course Works in Oregon
To receive an insurance discount, you must complete a DMV-approved course. These courses typically last between 4 to 8 hours and can be done either in a classroom or online. Upon completion, you’ll receive a certificate that can be submitted to your insurance provider to apply for a discount.
How Can You Get an Insurance Discount in Oregon?
Many drivers, especially those over 55, can benefit from reduced insurance premiums after completing a defensive driving course. According to Oregon Revised Statutes (ORS) 742.490 through 742.496, drivers aged 55 and older are entitled to receive discounts on their auto insurance upon course completion. Contact your insurance company to confirm eligibility and specific discount rates.
Eligibility for Auto Insurance Discounts
To qualify for an insurance discount:
- You must be 55 years or older.
- The course must be approved by the Oregon DMV.
- You cannot have taken a similar course within the last three years.
Steps to Apply for an Insurance Discount
Here’s how to apply for an insurance discount after completing your defensive driving course:
- Obtain Your Certificate: After finishing the course, you’ll receive a completion certificate.
- Contact Your Insurance Provider: Notify your insurance company and inquire about the submission process.
- Submit the Certificate: Send your certificate via email, mail, or through the insurer’s website portal.
- Receive Your Discount: Once verified, the discount will be applied to your policy.
What Types of Discounts are Available for Defensive Driving Courses?
The amount of the discount you save can vary depending on your insurance provider, but discounts generally range from 5% to 15% of your premium. Contact your car insurance company to understand if they give you a discount for taking a defensive driving course and whether you qualify for a discount based on their specific requirements and the exact savings available to you.
Defensive Driver Discount Explained
A car insurance discount is typically given to drivers who take the course and complete an approved defensive driving program. It serves as a reward for drivers who are actively trying to improve their driving skills and reduce the risk of accidents.
Auto Insurance Discounts from Different Companies
Many major insurance companies in Oregon offer discounts for completing defensive driving courses. Some of the companies include:
- Geico
- State Farm
- Allstate
- Progressive
- Farmers
- AAA Automotive
Check with your insurance provider to understand the exact defensive driving discount and potential savings available to you.
How Much Can You Save on Your Insurance Premium?
While savings vary, most drivers can expect a discount of 5% to 15% on their premium. For example, if your annual premium is $1,200, you could save between $60 and $180 annually.
Is There a Money-Back Guarantee for Online Courses?
Many online defensive driving course providers offer money-back guarantees, ensuring that if you’re unsatisfied or fail the course, you won’t lose out financially. This allows you to try the course risk-free.
Understanding Money-Back Guarantees
Before enrolling, check the course provider’s terms for money-back guarantees. This can offer peace of mind, knowing that your investment is protected if the course doesn’t meet your needs.
How to Complete an Online Defensive Driving Course?
Taking a defensive driving course online is straightforward and allows for flexibility. Here’s how to complete one:
- Register Online: Choose a DMV-approved course provider.
- Complete the Course: Work through the lessons and quizzes at your own pace.
- Pass the Final Exam: Most courses require a passing score on the final test.
- Receive Your Certificate: Once passed, you’ll receive your certificate of completion.
What Happens After Course Completion?
After finishing the course, you’ll receive a certificate proving that you’ve successfully completed the program. This certificate is what you’ll need to submit to your insurance provider to claim your discount.
How to Submit Your Certificate of Completion?
To claim your discount, submit your certificate to your insurance company via one of the following methods:
- Upload to an online portal
Submitting to Insurance Companies
Check with your insurance provider for specific submission guidelines. Some companies have an online portal, while others may require you to mail the certificate.
Document Requirements for Submitting the Certificate
Ensure the certificate contains the following details to avoid delays:
- Your Full Name
- Course Provider Information
- Date of Completion
- Certification Number
How to Qualify for a Motor Vehicle Insurance Premium Reduction under ORS 742.490
If you are 55 years or older and the principal operator of a vehicle, ORS 742.490 may allow you to qualify for a premium reduction on your motor vehicle insurance. To be eligible, you must have successfully completed an accident prevention course approved by the Department of Transportation within the past three years if you are under 70, or within the past two years if you are 70 or older. Additionally, the vehicle must not be used for business purposes, and no one under 25 should regularly operate it. This discount applies to only one vehicle per operator, and no more than one discount can be applied per vehicle.
ORS 742.496: Limitation on Eligibility for Insurance Discounts
Under ORS 742.496, individuals are not eligible for a premium reduction under ORS 742.490 if they completed a defensive driving or accident prevention course as a result of a court-ordered punishment for a traffic violation. This means that to qualify for the insurance discount, the course must be taken voluntarily, not as a penalty for a moving traffic offense.
Conclusion
Taking a defensive driving course in Oregon is not only a great way to enhance your driving skills but also an excellent opportunity to save on your auto insurance. By completing a DMV-approved course, you may be eligible for a discount availability on your premiums. However, the discount may vary depending on your insurer and specific qualifications. By following the simple steps to submit your certificate, you can maximize your savings and enjoy safer driving, but keep in mind that the terms may vary depending on the insurance provider.
