How Defensive Driving Courses Can Lower Your Insurance in Canada

Car insurance in Canada can be expensive - especially for new or young drivers. But what if safe, more confident driver was a smart way to reduce your prize while you became a driver -filled driver?

This is the one that provides defensive driving courses. Not only can it accelerate your skills behind the wheel, but it can also help reduce your car insurance prices. This is how it works, and why it may be worth your time.

What is defensive driving? Defensive driving is a set of active driving techniques that help you:

Avoid more before possible dangers

Be calm and careful in traffic

Handle severe weather or street conditions

Reduce the risk, even when other people make mistakes

Unlike the basic driver’s oath (which focuses on road rules), the defensive driving learns how to think further, reacts strategically and reduces the possibility of conflict.

How does it help you save you on insurance Most of the largest insurance providers in Canada provide discounts to drivers who complete an approved defense course or driver’s correction course.

Here’s the reason: The insurance companies see you as a low risk. Completing the course suggests that you are obliged to security, which reduces the chances of you making a claim.

This reduces accidents and the possibilities for traffic violations. Low events on your mail = low premium over time.

This can help remove demerite points (in some provinces). In Ontario, for example, taking a recognized course can help offset a minor break or prevent the license’s suspension.

Who will take a defensive driving course? While any driver can benefit, it is especially useful:

Young or new drivers want to cut high starting prizes

Senior the desire for refreshing skills and maintaining status with low risk

Commercial or fleet drivers require

Senior the desire for refreshing skills and maintaining status with low risk

Commercial or fleet driver as employers or insurance companies required

Drivers with previous ticket aims to improve their records

How much can you save? While accurate savings vary by the insurance company, you can usually expect:

5% to 15% off your annual premium

More and greater impact if you have a pure record or insurance on multiple vehicles

Potential benefits with long time when maintaining low -risk profiles

Tip: Always contact your insurance provider which courses are approved for discounts.

What is covered on a defensive driving course? Most course of the online or commercial caners following:

Dangerous recognition and risk assessment

Appropriate following distance and space control

Safe passage, changes in the path and fusion

Handles of aggressive drivers and road raj

Winter and unfavorable weather driving

Emergency fracture and slip recovery technology

Courses usually take 6 to 8 hours and can be completed in one day or spread to sessions.

Where to Take a Defensive Driving Course in Canada Look for MTO-approved driving schools (in Ontario) or certified providers in your province. Many offer: Online options for convenience

In-person training for more hands-on experience

Corporate training for commercial or company drivers

Some recognized names include:

Canada Safety Council (CSC)

Young Drivers of Canada

DriveWise

Provincial driving school networks