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How To Get Started With Adult Driver’s Education Courses



Drive test woman driver

Many people learned to drive when they were teenagers, but some never got the chance. Others took the necessary classes but didn’t pass, never attempting them again. Teenagers also aren’t as eager these days to learn to drive or own a car thanks to improved public transport and the rising cost of living, meaning there is an increasing number of generation Y waiting until adulthood before learning to drive or avoiding driving altogether.

Fortunately, cars aren’t going anywhere, at least not in the foreseeable future. Family- and work-life often necessitates a car. And for all the prior generation for societal reasons, it’s about time you buckled up for a new experience — it’s never too late to learn to drive.

Driving teacher Tim Danter says learning to drive as an adult can be more difficult, noting:

“There is definitely more anxiety. Sixteen-year-olds think they’re bulletproof; they have little fear. Adults are more mature, but they’ve also got more life experience and therefore understand that driving a car takes a lot of responsibility and a lot of care. That can make them more hesitant.”

Reflexes and coordination may also be diminished depending on the driver’s age.

Online Driver’s Education

Despite this challenge, the good news is that the DMV (for those in America) makes the process somewhat easier for adults. If you are over 18 and now seeking to get your driver’s permit for the first time, you can probably get your education online.

Driver’s education covers traffic rules, road safety and other relevant information. If you that’s provided online, you can learn from the comfort of your own home or office. The lessons can be completed at your own pace, at any time of day and on any device with an internet connection. They often include animation, videos and case studies to help you prepare in an engaging manner. Online driver’s education is also more affordable than traditional classes.

Even if you already know how to drive, adult driver’s education classes can still help you sharpen your skills. Taking one may even qualify you for a discount on your car insurance.

Who Needs Driver’s Ed?

The majority of U.S. states require at least some potential drivers to take adult driver’s education. However, they have different rules regarding people required to take the class. For example, in , it’s mandatory to complete a driver’s course if you are between 18 and 24. In Illinois, an adult driver’s education course is required if you are between the ages of 18 and 20, have never completed any kind of Driver’s Ed course, and are applying for a first-time state driver’s license.

The states also differ on whether you have to take a mandated number of behind-the-wheel lessons before taking the practical test.

Learning to drive as an adult can be difficult but not impossible. In fact, it is very doable. Your nerves and possible reduced reflexes might prove to be a hindrance, but at least you won’t have to sit in a classroom. There are many driving schools out there, but you shouldn’t just enroll in the first one you come across. Make sure the one you choose is approved by your respective government so that you get the necessary credit(s) for completing a course.

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Traffic Violations: How Online Traffic School Can Help You Meet Your Requirements



Traffic Violation

Everybody hates that feeling of being behind the wheel and noticing flashing lights in the rearview mirror. Let’s face it, sometimes that extra push on the gas or the stop sign you rolled through has consequences.

Many people choose traffic school as a way to remove points from their license, while those with more serious offenses require intensive driver safety courses due to court orders. Whatever the reason, online traffic school can be the best way to meet your requirements and regain any lost driving privileges.

What You Need to Know About A Point System?

Using Florida as an example, when you receive a ticket, a set number of points are added to your license depending on the offense. After getting the ticket, you have thirty days to pay it (your state or province might differ) and elect to attend a driver improvement school to keep the points off your record. You could also go to court and contest the ticket.

According to the (FLHSMV), the following point accumulations result in a suspension of driving privileges:

  • 12 points in 12 months results in a 30-day suspension.
  • 18 points in 18 months (including the points from the 12 point suspension) results in a 3 month suspension.
  • 24 points in 36 months (including the 12 and 18 point suspension points) results in a one year suspension.

Points are also given for out-of-state traffic violations.

Since many count for three to four points, they add up fast. If your license is suspended or close to it, you should consider traffic school to remove points from your driving record. You could complete these classes once every 12 months up to five times in your lifetime. Advanced Driver Improvement Courses may be necessary if your license is already suspended or it is ordered by the court.

Why Choose Online Traffic School?

Online schools are a convenient way to reclaim those driver’s license points, prevent insurance premium increases, and fulfill court orders. Instead of attending a brick and mortar school, you have the opportunity to complete these classes wherever you have an internet connection, doing so at your own pace any time of the day or night. Even better, you don’t have to complete the course all at once — you can save your progress and return to the class as it fits your busy life.

Courses like the are approved by the State of Florida and the FLHSMV. They offer 4, 8, or 12 hour driver improvement classes depending on your particular needs or court orders. Once you complete the course, the American Safety Council automatically notifies the DMV to get the points taken off your driving record.

So, you made a few mistakes behind the wheel. This doesn’t mean you can’t learn from the experiences and move on with your life. Completing online traffic school courses is an affordable, convenient way to put traffic violations behind you and get back on the road.

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Why Might Your Car Insurance Premiums Increase?



Adult driving car

If your insurer has prompted you to renew your insurance, you might baulk at seeing your premium increase for another year of coverage. Insurance premiums can rise for a number of complex reasons that could have you scratching your head.

Sadly, if you are a UK driver, those premiums are likelier to rise than fall, as of £827 on average, reports the Express. Keep reading to find out the reasons why your rate might have increased.

You are hit by compensation payout increases

Last year, Insurance Premium Tax was hiked from 10% to 12%, partly due to whiplash and false compensation claims. The Ogden rate, which is used in calculating compensation payable to people who have suffered injury from a car crash, was also slashed.

This means insurers need to make further compensation outlay to car crash victims, and it’s customers who help them foot the bill.

You were caught using a phone while driving

Last year also saw the introduction of laws that doubled the penalty for motorists caught using their phones while driving. Today, such motorists would be slapped with a £200 fine and six penalty points; however, they could potentially also face an eye-watering increase in insurance premiums.

According to , these premiums could rise by as much as 40% when an offender is given the option to renew their policy… if they are given that option at all.

You have made a “no-fault” claim

Frustrating though it may be, your insurance could rise in cost if you have made a claim resulting from an accident for which you weren’t to blame.

Let’s assume that you have crashed into another car simply because, at a junction, its driver pulled out in front of you. Your insurer won’t deem you at fault for this accident but might still increase your premium because, statistics are to be believed, you are likelier to end up in another crash.

You have recently moved home

Moving to a new place or locale can be exciting, but even something so innocuous could wreak havoc on your premiums. For example, your new locale might have many more instances of car theft, giving your insurer good reason to send those premiums rocketing.

Taking up residence in a newly built house can be costly, too, but for an unexpected reason. As that home may not yet have been registered on your insurer’s database, the insurer may be hindered in their ability to accurately discern what risk the area poses to your vehicle.

As a result, you could be quoted premiums that seem strangely high considering what you personally know about the area. The the example of one driver, Doug Welch, who after moving to a Northamptonshire-based newly-built house, was quoted a renewal premium of £1,117 — nearly three times the £464 he had been paying with the same insurer!

The insurer later admitted to having access to little data about the area and decided to hold off charging Mr. Welch the full increase.

Your voluntary excess is too high

While your policy is likely to have come with a minimum excess when you first took out the insurance, you might have added a “voluntary excess” in an attempt to lower how much your insurer would need to pay for a claim – and, thus, also reduce your premium.

However, paradoxically, an excessive increase in the voluntary excess can add more expense to the policy. Using an insurance broker like can help you avoid getting caught out by nasty charges.

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5 Reasons Why Your Family Needs A New Vehicle



New, 2019 Hyundai Santa Fe XL pose

Are you itching to trade in your old beater for a shiny new car? If you’ve had it for more than six years, you may be overdue.

Six years is about the amount of time the average person keeps a car in the United States, so,if you’re thinking it’s about time, maybe it is. Still, buying a new car is a huge decision that requires a high level of certainty. Here are 5 reasons that may convince you that you need a new vehicle:

1. Safety

Every year, manufacturers introduce new safety features. So, every year that you have your car, you’re behind on the latest cutting-edge safety features.

According to , every car should have a backup camera, curtain airbags, electronic stability control (ESC), and forward-collision warning. Is your car equipped?

The difference isn’t substantial in one or two years, but if you’ve accumulated five or more years on your car, it may be time for an upgrade. When you’re transporting precious cargo like your family, you don’t want to take any chances with safety.

2. Style

Have you ever bought a brand-new car in the year before the manufacturer makes a major body-style change? Nothing can make your car seem older than having rounded curves when all the new models have sleek edges.

Regardless of how long you’ve had your vehicle before the manufacturer changed styles, you may still want to remain somewhat current. If the newer models of your vehicle look like they’re a decade younger, it’s probably time to buy a new one.

3. Size

If your family has grown since the last time you bought a car, you might be due for a new vehicle. In this case, you may want to consider a , crossover or minivan instead of your sedan. With more seating, legroom and safety features, SUVs and crossovers are becoming a popular choice for growing families.

4. Maintenance

It’s pricier and more time consuming to maintain an older vehicle than it is a new one. Engines that have been in use for 100k miles or more become a little needy. This means spending more money on oil changes for that high-mileage oil and taking more frequent trips to the auto mechanic for tune-ups. Maintenance expenses are minimal with a new vehicle.

5.Peace Of Mind

You’re much less likely to break down on the road with a new vehicle than with an older one. This is a natural concern for many families, because no one wants to get stuck with an SUV full of kids on your way to soccer practice. And breakdowns also come with unexpected expenses that can range from mild to outrageous. With a new vehicle, you won’t have any of these worries.

When was the last time you bought a new vehicle?

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