Why might an insurer request that a driver complete a defensive driving course?

An insurer may request that a driver complete a defensive driving course as a way to potentially reduce premiums or improve qualifications. This educational course teaches safe driving techniques and helps drivers become more aware of their surroundings and the rules of the road. By completing such a course, drivers may demonstrate to insurers that they are taking proactive steps to minimize risks, which can lead to lower insurance costs or better coverage options.

Insurance companies often incentivize safe driving practices because these drivers are statistically less likely to be involved in accidents, thus reducing the insurer’s risk. This proactive approach can lead to discounts or favorable terms on their premium, reflecting the insurer’s recognition of the driver’s commitment to safety and responsible driving behavior.

The other options may not directly relate to the purpose of completing a defensive driving course. While some states may have regulations regarding insurance that could involve education courses, this is not the main reason insurers typically encourage these courses. Additionally, increasing policy limits or qualifying for specific types of coverage is generally not tied to defensive driving education. Instead, the focus is primarily on premium reduction and improving overall driving qualifications.