Are Defensive Driving Courses Worth It?

Driver’s education and defensive driving courses offer a number of advantages to young and older drivers. The possibility of obtaining a discount on their insurance premium is one of these advantages. By helping people improve how they drive, these courses can reduce the risk of accidents, resulting in fewer insurance claims and lower premium. To get the most from these courses, drivers should understand the following:

Insurance Discounts – Not for Everyone

Before signing up for a Driver’s Ed or defensive driving course, consumers should check with their insurance carrier to verify they offer a discount for completing this training. Most insurers offer discounts only to older (50+) drivers and young people (under 21) that complete driving course training. Discount amounts vary from one insurance carrier to another. 

To be eligible for a discount, you must verify completion of the course with a passing grade. You can discuss insurance discounts with any one of our agents at All About Insurance Inc., Caldwell, ID, to get a better idea of how to qualify for a reduction in your insurance premium.  

Improved Driving Skills

A good driver’s ed and/or defensive driving course can enhance a young person or senior’s driving skills, helping them become better drivers. Most courses cover such topics as:

  • Defensive driving
  • Accident prevention techniques
  • Driving under adverse weather conditions
  • Safe passing techniques
  • Safe highway driving and
  • Local traffic laws

Through these courses, teen and senior drivers can develop safe driving habits that will protect them and others on the road. They’ll also establish a safe driving record over time which will contribute to reducing their insurance costs.

By taking advantage of all that driving courses have to offer, teens and seniors can get the most from their investment. For more information on how to reduce car insurance costs, contact us at All About Insurance Inc., in Caldwell, ID.   

Renovating Your Home in 2017? Don’t Forget to Update Your Insurance

If you’re planning to renovate your home in 2017, don’t forget to update your insurance. Home improvement projects can affect your current insurance premium and/or coverage. Before starting any home improvement projects in Caldwell, ID, talk to an agent at All About Insurance, Inc., to see how remodeling will affect your policy. The following are but a few of the many renovations that can alter your insurance.

New Roof

Putting a new roof on your home can make you eligible for a discount on your home insurance.  A new roof greatly reduces the risk of damage to your property due to rainstorms, snow, hail or strong winds. Before applying for an insurance discount, ask your contractor to provide you with documentation that your new roof meets local specifications and codes.

Kitchen or Bath Makeover

A classy kitchen or bathroom makeover will add visual appeal to your home as well as increase its value. In order to protect your investments, you’ll need to add these renovations to your insurance policy which will, in turn, increase your premium. On the flip side, if your home’s plumbing or electrical systems were upgraded in the process of making these renovations, you could qualify for an insurance discount as these upgrades reduce the risk of water damage and fire.

Home Office/Business

Turning a spare room into a home office with basic furnishings and computer will do little to affect a standard home insurance policy. In contrast, if you transform your garage into a modern day carpentry shop where costly tools are used and stored, you may need additional insurance coverage to cover possible liability claims or carpentry tool replacement if they’re stolen or suffer loss.

By taking time to discuss home renovation ideas with an All About Insurance, Inc., representative in Caldwell, ID, you can be better prepared to handle any insurance changes these upgrades will bring.