Blog posts of '2022' 'March'

Best Online Drivers Ed Resources for Florida Residents

Best drivers ed resources for Florida residents


Each new year brings more new drivers to the state of Florida.  Some are teen drivers looking to dive into their new found independence.  Others are new Florida residents who either move from out of state or even from other countries.  Having the proper tools to help prepare you to be a successful defensive driver is incredibly valuable.  Below are highly rated online drivers ed resources that assist new drivers gain confidence and competence.  Additional driving courses included in this article will help to qualify for auto insurance discounts or to help remove points or fines drivers may receive from moving violations or infractions.

Teen driver safety.  We likely remember the excitement of getting behind the wheel for the first time.  We likely took a picture when we bought our first car.  But do we remember the butterflies in our stomach when taking the driver’s ed test for the permit?  Or the anxiety of taking the road test?  Nobody wants to fail or have to take such driving tests twice!  In addition, young drivers are associated with greater driving risks.  This FREE online practice test will help drivers become more confident and familiar with the knowledge one must obtain to be a safe driver.   First-time drivers can take the practice test over and over at no cost!

Reduce points or insurance rate increases.  Life today is complex and full of distractions.  Many have limited time and always seem to be in a rush.  If we are not careful, we can develop unsafe driving habits that may put others or ourselves at risk.  If we are cited for a moving violation, we can incur points on our driving record which can lead to auto insurance rate increases.  This FREE online driver education course can help to remove the points from your license associated with the infraction, and help prevent your insurance rates from increasing.  In addition, if you have been cited for using your phone while driving, this Wireless Communications Device Safety course can also dismiss points from your driver’s license.

Senior citizen driver safety.  As we age, we can deal with circumstances that affect driver safety.  This report done recently by the CDC (Centers for Disease Control and Prevention) is a sobering reminder that refresher training and ongoing driver education is vital for safe driving.  Mature drivers over the age of 55 will benefit from this mature driving safety course.  It is educational and can help to reduce the cost of your auto insurance premiums!

See what online driver safety courses are available in your state.

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5 Ways to Reduce Car Insurance Rates in Florida 2022

5 Ways to Reduce Car Insurance in Florida 2022 

  1. Do research.  Insurance rates are determined on a variety of factors.  Some involve the vehicle itself.  The replacement cost as well as the vehicle's features will affect the rate.  The same vehicle if leased will tend to be more costly to insure than if it is being financed or if you own it outright.  In addition, the individual safety features of the vehicle such as, anti-theft devices, collision warning and blind spot detection, anti-lock brakes, airbags and lane keep and lane departure warnings.

  1. Shop around.  Simply accepting the first rate you are offered doesn’t always mean it is the best rate.  Some websites allow you to compare rates side by side.  This can be a very effective tool.  If you choose to call a company directly to get a rate and let them know you are shopping around!  Ask the agent directly if there are additional discounts available to you.

  1. Consider changing your deductible.  Simply put, the higher the deductible, the lower the risk to the insurance company.  If you are confident that you are a safe driver, and the potential higher initial out of pocket costs won’t overly affect you, see the difference in raising the deductible.  When comparing the difference in rates, calculate the “break even point.”  This can be calculateed by dividing the difference in deductible by the difference in monthly payment to determine how many months will it take you to start saving.

  1. Multipolicy benefits.  It is very common for insurance companies to give benefits when you purchase a variety of policies from them.  Choosing to bundle home, life, and auto is worth looking in to.

  1. Maintain a good personal driving record.  A safe and clean driving record is an essential way to reduce insurance costs.  Moving violations or vehicular incidents have a direct impact on insurance rates.  If you have any points on your record, or if you want to show you are a safe driver consider taking a safe driving course to reduce points incurred from using your phone while driving or a basic driver improvement course approved by your insurance company that can help remove points or traffic tickets from your driving record.  Discounts for senior drivers who take online driver safety classes are available. Online driving classes are a great way to act quickly and work at your own pace!

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