If you are a new driver taking a Beginner Driver Education (BDE) course, you may have the odd question about how insurance works before or after completing it. We know at Assured Plus Driving School that you are wondering how a BDE course can affect the rate of your coverage plan and how much coverage is provided.

Before Completing a BDE Course: Higher Premiums for New Drivers

Insurance rates are usually higher for new drivers, particularly those under 25. This is because their lack of driving experience makes them high-risk in the eyes of insurance companies. If you don’t have a BDE certificate, you might run into:

Higher Insurance Costs: Insurance companies charge premiums based on the risk involved in human activity, so new drivers lacking proper instruction are seen as more willing sources of mishaps.

Limited Discounts: Drivers who have completed an authorized driving course are eligible for discounts from many insurance companies.

Longer Wait for a Full License: The graduated licensing system may be more challenging if you don´t have BDE training.

Benefits of Completing a BDE Course

A BDE course can increase your competence and understanding. The next significant benefit is that you can save much money simply by taking a BDE certification course.

Insurance Discounts: Some insurance companies offer a “bonus” to those drivers who have completed a BDE certification. These credits can save those young drivers an extra five dollars a month (on average).

Faster Licensing Process: In Ontario, you can take the G2 road test after completing a BDE course. You can meet the DMV test in 8 months instead of 12 months.

Driving Record Improvements: When many drivers find that with thoroughly competent training, all this tends to go away. Newcomers are less likely to have accidents and thus lower their insurance premiums over the long term.

After Completing a BDE Course: Lower Rates & Better Coverage Options

After taking a BDE course in Ontario, contact your insurance company to collect your certificate. This way, it becomes an insurance policy advantage:

Premium reductions: The insurer finds you a cheaper-priced policy, and you save money by getting a cheaper policy.

Better Policy Options: Some insurance companies, but not all, may offer additional benefits or protection options to people who have received certified driving instruction.

Safe Driving Rewards: Taking up another insurance company’s offer of a much cleaner insurance history will lead to further cost breaks later.

How to Ensure You Get the Best Insurance Rate

Take help of these helpful tips so that you can maximize the money up your sleeve.

Shop Around: To find the best premium rates, obtain quotes from at least five insurance companies before you settle on one.

Bundle Policies: If your family members also own policies, you may qualify for multi-policy discounts.

Drive Safely: Do not break traffic laws. Doing so will raise your rates, and the fines can be substantial.

Ask About Discounts: Many insurance companies offer additional savings to students who earn good grades or participate in telematics programs that monitor their driving habits.

Final Thoughts

Participating in a Basic Driver Education course is a wise investment in your driving skills and financial future. Road-tested by the Assured Plus Driving School team, this program prepares students to drive safely and even reduces insurance costs.

If you’re a new driver who wants to save on insurance and become a better driver soon, sign up for our BDE course now!

For more information or to sign up, contact Assured Plus Driving School.