How a Driving School Course Could Help You Save on Car Insurance in Ontario

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on July 17, 2023

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 17, 2023

Visit author page

3 minute read

Article Contents
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Learning to drive is one of the important milestones of growing up in Canada. However, driving comes with a number of risks and costs with insurance rates being one of the most obvious costs of driving. There are a number of ways for young drivers to save money on car insurance ranging from having good grades to driving a safe car. One of the quickest and easiest ways to save money on car insurance is to take a driving school course.

How Much Does Driving School Take Off Your Insurance?

There are a number of factors that go into calculating car insurance rates. In general, driving school will take ten percent off of insurance rates. This can add up to large savings as young drivers are considered high risk drivers with them frequently paying huge insurance premiums.

There are a number of other ways that driving school helps out reduce insurance rates. A G2 driver who takes driving school can graduate to a G licenses driver after eight months instead of the usual twelve months. G2 drivers frequently pay more than G licensed drivers. This means that a driver can reduce the amount of time they pay higher insurance rates by four months. It is important to remember that different insurance companies offer different levels of driving school discounts so the actual amount reduced will vary on a driver by driver basis.

Cheaper Car Insurance by way of Discount

The most direct way that driving schools save money on auto insurance is by receiving a discount from insurance providers. This process requires you to show a driver training certificate to your insurance company. The insurance company should then offer you a discount.

You should also consider a driving school insurance discount when shopping for car insurance. Most insurance companies will list their discount on their site if not the company should be able to tell you about their driving school discount by calling them.

One good option is to check with your insurance company before taking driving school course as  this will allow you to know if they will offer you an insurance discount if you do take the course and vice versa if they do not offer a discount.

How Much Does A Typical Driving School Cost?

The average cost of attending driving school is six hundred dollars. While it is possible to shop around in order to find a cheaper driving school this six hundred dollar cost should be considered an investment towards getting cheaper car insurance. 

An example of savings would be a seventeen-year-old driver who would receive average car insurance rates of $6,870 per year without driving school and $5,181 per year with driving school. This would result in yearly savings of $1,689 per year. This makes it well worth the six hundred dollars that driving school costs. A seventeen year old driver would face close to the same rates for a three year period. This means that driver’s school could result in savings of $5,067 over the course of a three year period. This makes getting a driver training certificate a very attractive investment.

Find an Approved Driver Training School

You must use an MTO approved driving school in order to receive the benefits of a driving school and there are a number of MTO approved driving schools in Ontario for you to choose from. Here is the most up to date list of approved driving schools that can be filtered to your location.

When looking at different driving schools it is important to look at the specific details of the school. This can include such things as the length of a course, the cost, and the times when a course is held. This will ensure that you are able to successfully complete driving school while spending as little money as possible.

What Is Driving School Like?

What driving school is like depends upon the particular driving school. Most driving schools will include a review of the rules of the road, how to properly handle a vehicle and the process of moving through the licensing process. This is a good way for drivers to learn the information they will need in order to be successful on their official driving tests.

Many driving schools will also take drivers out on the road. This gives them the chance to practice driving with an experienced driver who can properly teach them. This is important as many beginner drivers do not have the chance to learn how to perform manoeuvres such as parallel parking or driving on highways.

One of the nice things about taking a driving course is that it is now possible to take the majority of classes online. This could be especially handy for some young drivers who don’t own their own car as it could mean they would not need to be present at the driving school to still take the course.

Young Drivers can Save on Insurance by Taking a Drivers Ed Course

Driving school is generally a good idea for the majority of young drivers. This is because it allows you to save a significant amount of money. Driving school also allows drivers to get their full G license quicker. This can make it much more convenient for families and young people.

Not forgetting one of the most obvious benefits of driving school is that it makes young drivers, safer drivers which should reduce the risk of them being involved in an accident and then having higher insurance rates.

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