Question : My girlfriend is pestering me to take a defensive driving course. I think I drive just fine, but she says that I need the course. She also told me that it will help me get cheap motor insurance. Your comments please.

Answer : Defensive driving teaches you to go beyond the driving school. The course helps you learn how you can respond in a better manner to ensure the safety of others and yourself on road. The idea is to give you the necessary skills to avoid accidents even if others make mistake. I think your girlfriend is right to recommend defensive driving.

And yes, people who have done a defensive driving course from a recognized institution do get a discount on the premium. This differs from insurer to insurer. Some insurers might not recognize some institutions, so ask your insurer how lower the insurance pricing will be if you do a defensive driving course and also ask them for the list of institutions they recommend.

Overall, learning defensive driving alone is not going to lower the policy price much. Not if you’ve earned points and tickets for violations. To get cheap motor insurance you need to find the right insurance source, and calibrate your insurance coverage carefully. Start your hunt on the Internet and you will be able to find the best insurance prices.