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Drivers in Indiana can take a Driver Safety Program (DSP) to reduce their auto insurance rates and the number of points on their driving record. In a Driver Safety class, drivers will learn about highway safety, Indiana's traffic laws and how to drive in an emergency situation. The class focuses on attitude in preventing accidents, strategies to prevent collisions, and consequences of choices behind the wheel. Driver Safety Programs are four hours long and can be taken in a classroom, online, or through a DVD.
Benefits of Taking an Indiana Defensive Driving Course
Taking an approved course every three years will ensure benefits of a 4 point credit towards a driver’s license and a possible reduction on your car insurance premiums (available at select insurers).
- 4-Point Credit: After passing a final exam from a BMV-approved DSP, the BMV will apply a 4 point credit once that'll reduce your point count for three years. Indiana law evaluates moving violations on a point value, relating to the gravity of the offense. Points are active for two years and drivers with two or more convictions within a year are actually required to take and pass a DSP course. When drivers have accumulated 18 points, they will be on probation or suspended from driving. Taking a DSP class helps to establish some breathing room and delay the probation and suspension. The agency offering the course will notify BMV to take four points off the motorists’ driving record once in a three-year period.
- Auto Insurance Discount: Certain insurance companies may also provide a Defensive Driver discount: Depending on your insurer, you may be able to save on your car insurance rates by completing a Defensive Driving program. Some insurers offer discounts for drivers who have completed the course, so notify your agent before registering. One company that provides discounted rates is GEICO. At GEICO, if you are 50 years of age or older, you can save up to 10 percent after completing a defensive driving course and getting your certificate accepted by the company.
Defensive Driving Course Providers in Indiana
Indiana caps what course providers can charge for driver safety programs at $55. We've found that the cost of DSP courses can range from $44.95 - $55.00, depending on whether you take it online or in person.
The online classes are available 24/7 and rely completely on the internet. It is very convenient and accommodating, with Indiana Driver (one provider) even offering a Pay Later Option if drivers cannot afford it. Both Indiana Online Driver Improvement and I Drive Safely have an online and streaming video option, which can be quite convenient for different types of learners. The online version is text-based with informational slides, while the video version provides a fun way to go through the same material. Both options will send you and the BMV a certificate of completion to expedite the four point credit.
Unless you live in Evansville, Indiana, online classes and videos are your only way to take a DSP class.
The only classroom-styled Driver Safety Program that is approved by the BMV is held in Evansville Ivy Tech Community College. The number of sessions and spots in each class are limited, which is less convenient for drivers. By looking at the course list for the school, you can find the times and locations for all the classes in Evansville. The sole class this summer: 24 seats at the Evansville Main Campus on Saturday morning on June 27, 2015 at 7:30 AM to 12:00 PM.
The BMV only lists these three programs as approved: