If you dont have a car yet but will get one in the near future could this lower your cost when you get it?
The course completion certificate is good for three years, so you'll already be good to go when you get that car. You'll need a driver's license ID # when taking the course, since the certificate will be linked to your ID. The insurance discount, at least in NY, only applies to the liability portion of your premium, not the comprehensive collision portion.
I've been taking these courses every three years in-person for decades, and truly enjoy them. The instructors are usually retired police officers/troopers and always have personal experiences to share. And you can ask them tons of questions, like confirming if they have ticket quotas. I think taking it in person is the way to go, but if you want to save a few bucks on the course and suffer through it, give on-line a try. I'm not due for another two years, so I'll skip this but will recommend it to others. It's the other people on the road that I have to worry about.
I just completed my course now. Although it is designed for older drivers, it is useful for all. you will get discount (for me $20/6 months in NJ - Ameriprise) from insurance companies and valid for 3 years. Total 8 units and each having an unit test then a final exam at end of Unit 8. they are simple. Unit 7 & 8 are of small duration. Rest of the units are average duration of 1 hour. I believe everyone can pass the exam.
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