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It’s one of life’s certainties: the summer will finally come to an end and the unsettled weather of fall and winter will arrive. This not only puts an end to fun in the great outdoors for millions of Americans; it makes driving conditions in many states a lot more difficult too. Driving in poor conditions can increase the risk of a collision, but some advanced driving lessons and the latest technology can improve your skills on the road and keep your insurance company happy at the same time.

Defensive Driving Courses

There are several ways to counteract the general trend of rising  St Paul auto insurance, and perhaps one of the easiest is to take a defensive driving course. In return for working toward an improved driving technique, some insurance providers will reward you with some significant discounts on your annual premiums. In some cases, this could reduce insurance costs by up to 20 percent.

There are several circumstances where a little extra driving tuition can go a long way. Teen drivers, for instance, often struggle to find affordable auto insurance policies, but a commitment to safety on the road could deliver some much-needed reductions in premiums. Previously disqualified drivers or those with penalty points on their license could also greatly benefit from advanced driving instruction.

In some U.S. states, these driving courses can be taken online, so drivers can reap the rewards of defensive driving skills without leaving the comfort of their own home. With course costs typically between $25 and $75 and a certificate of completion that is recognized by most insurance providers, these courses are well worth your attention, regardless of your circumstances. 

Modern Technology

There are a number of innovative cell phone apps on the market that automatically limit functions, and therefore distractions, while people are driving their cars, and some of them will track your driving style in order to help you improve. Some insurers are also fitting tracking technology to cars in an attempt to get their customers to drive smarter and safer. Where drivers can demonstrate a conscientious and safe driving style, they will be rewarded by significant discounts on their auto insurance premiums. In many cases, this technology uses the existing GPS technology in cell phones and tablets and switches between standard and driving modes, depending on the speed of travel. Braking habits, average speed and acceleration are just a few of the measurements taken by such systems.

An increasing number of auto insurance providers are deciding to reward those drivers who take care with their driving. A safer driver poses far less risk than a continual offender, so it stands to reason that premiums will be affected proportionately. If you want advice on how to drive more safely and reduce your insurance premiums as a result, call Lancette Agency today at 651-264-1230, and one of our expert agents will be happy to help.

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