If you're asking this question, I'm guessing you're really asking something else.
You're asking if taking a defensive driving course is going to save you money.
And the honest answer is: maybe.
That's probably not the answer you wanted, but it's the truth.
A few years ago, a guy I know got a ticket and immediately started looking at defensive driving courses. Not because he was excited about learning defensive driving.
He wanted cheaper insurance.
That's what most people care about.
He spent an hour reading websites, comparing courses, and trying to figure out which one would lower his rate.
Then he called his insurance company.
The call took about three minutes.
Turns out his company had its own rules.
That's really the key.
There isn't a rule in Indiana that says you must take a defensive driving course before getting lower insurance rates.
Some insurance companies may offer discounts.
Some may not.
Some recognize certain programs.
Others don't.
That's why I always tell people to start with a phone call.
Not because it's exciting.
Because it's faster.
If you're looking at a defensive driving course, an online driver improvement program, or even a BMV approved course from a provider like ABetterDriver, ask your insurance company first whether they recognize it.
You'll get a much better answer from the company that actually sends your bill than from ten different websites trying to guess.
The biggest mistake people make is assuming every insurance company follows the same rules.
They don't.
And that's why the first call should be to your insurer, not the course provider.