Here’s a tip that you can use in order to save money on your automobile insurance:  take a defensive driving course.  The first reaction to this suggestion is often “I went through driving school during my high school years, why take another course now?”  Simple:  save money.  Besides, what’s wrong with a brush-up class on road skills that could save a life – yours! 

Upside.  Not only could this help you avoid accidents, but you can also get points cut from your license or save money on a moving violation and insurance rates.  And now, you might be able to take the coursework on the Internet or on a DVD package.

Downside.  The length of classes (six to eight total hours) is a stout commitment for most people.  And, boring is often the term used to describe the subject matter.  But, some of the companies that develop the coursework have re-written it to add more color and graphics, and interactivity.  One online course even calls itself a comedy which uses animated characters.

Where to take them.  First, your state needs to sanction the program, and then you need to check with your insurance company to find out if they approve and recognize the course and offer discounts after completion.  There are probably classes in your area, but you can take the Internet based and DVD courses in the comfort of your own home.

How much can you save?  You might be able to save around 3% on your auto insurance which could net you about $50.00 per year.  While not a lot, every little bit helps.

Also, note that most insurance companies have programs for students and new drivers which can help lower your rates for them as well.

It is worth looking into from a safety standpoint and could save you some money as well.