Kentucky drivers can complete defensive driving courses to improve their knowledge and driver safety. Often, Kentucky drivers will complete state traffic school to dismiss a minor traffic ticket and avoid a points assessment, or simply earn a discount on auto insurance rates.
Defensive Driving Courses in Kentucky
If you've been charged with a traffic violation in Kentucky, you may be eligible to complete a defensive driving course and have the charge dismissed and not added to your driving record.
Under the Kentucky driver point system, habitual offenders are identified with points accumulation. Some violations have zero while others have three to six points. Points will expire two years from the date of conviction. If a driver 18 or older accumulates 12 or more points, or a driver under 18 accumulates 7 or more points, a hearing is required, and failure to appear will result in a six month suspension for first offenders.
Drivers who wish to avoid having points added to their record can enroll in Kentucky state traffic school. This program will teach you about safe, defensive driving and will allow you to avoid having a traffic ticket added to your driving record. No points will be assessed for the traffic violation as well.
Kentucky Defensive Driving Course Eligibility
Kentucky's state traffic school is widely available and typically open to most drivers with very few exceptions. Of course, there are certain eligibility requirements that you'll need to meet in order to enroll. These requirements include:
- driver must not be currently suspended
- state traffic school is not available for drivers with a mandatory license suspension or major traffic violation
- drivers can only participate in state traffic school once in a 12 month period
- participants must hold a valid Kentucky license
- drivers must be referred by the district court where the violation occurred
Kentucky Traffic Ticket Dismissal with Defensive Driving
In order to enroll in state traffic school in Kentucky, you will need to be referred by the district court where you received your citation. Once you are referred to traffic school, it becomes a court order. That means you must complete traffic school, or your license will be suspended until your class is completed.
Rescheduling your traffic school course is discouraged, but emergencies will be considered. Once complete, your traffic violation will not be reflected on your driving record. If you fail to complete traffic school, your license will be suspended until you complete it successfully.
Defensive Driving Courses Available in Kentucky
Kentucky's state traffic school defensive driving courses are four hours long and can be completed online, by correspondence, or in the classroom. There are different deadlines for different delivery options: online and correspondence courses must be completed within 30 days, while classroom courses only require enrollment within 30 days to avoid suspension. All of Kentucky's defensive driving courses will teach you how to be a safer, more responsible driver. Curriculum will vary depending on the traffic school, but Kentucky traffic school courses typically include instruction in:
- Kentucky's licensing system and driver points
- essential driving behavior
- facts about highway safety and the cause of traffic crashes
- defensive driving techniques and perceptive behavior
- the danger of driving while drunk or impaired
- vehicle safety features
- pedestrian safety
- avoiding distracted driving
- Kentucky traffic laws and regulations
Defensive Driving for Car Insurance Discounts in Kentucky
In addition to avoiding a traffic charge on your driving record, completing defensive driving in Kentucky can earn you a discount on your auto insurance. Kentucky drivers who voluntarily complete a defensive driving course may be eligible for a discount on auto insurance rates.
Kentucky Defensive Driving Insurance Discounts
Upon completion of a defensive driving course, you may be able to earn a discount on your auto insurance liability premiums. Many car insurance providers will offer between 5% and 20% off for defensive driving, but most will offer a discount of about 10%. Once your discount expires, you will be able to renew it by completing the course again.
Kentucky Defensive Driving Insurance Discount Eligibility
In Kentucky, most insurance companies will only offer a defensive driving discount to drivers who are age 50 and older. However, drivers of all ages may be eligible. Contact your insurance company to find out what their policies are and see if you are able to earn a discount on your auto insurance by completing a defensive driving course. If you're not eligible, you may want to contact other insurance companies to find out if you would be eligible with them.
Insurance Defensive Driving Courses Available in Kentucky
Kentucky's insurance defensive driving courses are offered alongside the courses taken for traffic violations. That means all drivers will learn the same life saving and accident preventing curriculum offered by Kentucky. In Kentucky's defensive driving courses, you'll learn about:
- resources for defensive driving
- Kentucky's driver points and licensing system
- highway safety information
- responsible driving behavior
- what causes traffic crashes
- avoiding drunk or impaired driving
- proper use of vehicle safety features
- keeping pedestrians safe
- how you can avoid driving distracted
- a review of Kentucky's traffic laws and regulations
Enroll in a Kentucky Defensive Driving Course
Improve your driving record and your auto insurance rates with a defensive driving course. Choose from our directory to find a Kentucky state approved traffic school that can help you today.
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