How to Get a Discount on your Delaware Auto Insurance

Defensive Driving, Delaware, Insurance Discount, Point Reduction

– Delaware Insurance Discount
If you are a driver of a motor vehicle and complete an approved Defensive Driving Course, you may receive 10 percent off of a portion of your auto insurance for three years. If you take a refresher Defensive Driving Course within 180 days of the end of the three-year period, you may receive a 15 percent discount.
What is An Delaware Defensive Driving Course?

The Delaware Defensive Driving course is an online course on defensive driving techniques and traffic laws that you can take to reduce points on your driving record or satisfy a court referral.

What are the eligibility requirements for taking a Delaware defensive driving program?

Six-Hour Defensive Driving Course:

  • This must be your first time taking a Delaware defensive driving course.
  • You will receive a mandatory 10% auto insurance discount.
  • You will receive a three-point driving record credit.
  • You can renew these benefits in three years.

Three- Hour Refresher Course:

  •  You must have taken a Delaware defensive driving course in the past.
  • Your auto insurance discount will increase to 15%.
  • Your three-point driving record credit will be renewed.
  • You can continue to renew these benefits every three years.
What are the benefits of taking the online Delaware Defensive Driving Course?

  • Become a safer driver.
  • Get a discount on your auto insurance
  • Get a 3 point credit on your Delaware Driver Record.

What information is covered in the Delaware Defensive Driving course?

In a Delaware Defensive Driving course, you’ll learn all about Delaware’s traffic laws as well as defensive driving techniques to keep you safe on the road.  You’ll learn how Delaware’s climate, geography, and unique landscape present specific challenges to drivers, and how to handle them.

How do I sign up for a Delaware Defensive Driving Course?

Eligibility and registration questions are best directed to the Delaware Defensive Driving School.

Can I attend a Delaware Defensive Driving Course online?

The Delaware  Defensive Driving Course may be completed online.

What information is required to register for a Delaware Defensive Driving Course? 

  •  Traffic schools are required to verify your identity with a government-issued ID before traffic school attendance.
  • Some traffic schools process registration by phone and require prepayment, while others register by telephone but collect payment at the time of the course.

What you need to do after you attend Delaware Traffic school?

When you successfully complete our basic or refresher course, you will simply need to present your Completion Certificate to you auto insurance provider. You insurance agent will then be responsible for applying your mandatory discount to your premium.

How do I know a traffic school has been approved by the state of Delaware?

Approved Delaware schools appear on https://www.dmv.de.gov/services/driver_services/defensive_driving.shtml

How long is the Delaware defensive driving course?

The Delaware Defensive driving course is required to be a minimum of 6 hours and the refresher course to be a minimum of 3 hours as mandated by the Delaware DMV 2 DE Reg 2224 .

What if I lose my defensive driving certificate of completion?

You must contact the defensive driving provider directly; there may be a cost associated with this request. If you do not remember the provider, please contact the Division of Motor Vehicles at 302-744-2509 for this information.

What is my insurance company will not offer a discounted rate on my insurance, are they required to do so?
If you completed a defensive driving course from a provider that is approved by the Delaware Division of Motor Vehicles, yes. According to 18 DE Reg 607, insurance companies are required to offer a discount.

If you have additional questions or concerns, please contact the Department of Insurance directly at https://insurance.delaware.gov/ or 1-800-282-8611.