Defensive Driver
Anti-Theft
Auto Safety Equipment
100

This discount is available in ALL STATES! T/F?

FALSE! (Not available AZ, IA, IN, LA, NE, NH, SD, TX)

100

How long does this discount remain effective?

For the life of the policy!

100

This discount applies in ALL states. T/F?

TRUE!

200

If documentation is required, you have this many days to submit before your discount will be removed.

Within 10 business days of the sale! 

200

When is documentation NOT required?

When vendor information identifies the device as "STANDARD PIECE OF EQUIPMENT"

200

Any vehicle made PRIOR to ________ year, does not qualify for this discount.

1981

300

How can you be eligible for this discount?

The Defensive Driver Discount is a state-mandated discount that applies when an operator completes the state’s Defensive Driver course and meets the age, losses, violations, course completion, and any other mandated requirements.

300

There is only ONE type of alarm that qualifies for this discount. T/F?

FALSE! 

Passive (creates an alarm or aids recovery efforts):

  • VIN etching on safety glass
  • Car Alarm (an audible and visible alarm triggered by movement, breaking glass, etc.
  • GPS or cellular device that tracks the vehicle’s location in the event of theft (LoJack, OnStar, etc.)
  • Kill switch (simple form of an engine disabler)
  • Does not include “the Club,” hood locks, or wheel locks.


Active (prevents a vehicle from being driven):

  • Disables ignition to prevent the car from starting
  • Disables the fuel line to prevent the car from being driven
  • Electronic immobilizers (car keys and fobs that send a signal to ignition and fuel-pump systems)
  • Does not include “the Club,” hood locks, or wheel locks.
300

What safety items will qualify for this discount?

  • Anti-lock brakes
  • Air bags
  • Daylight/daytime running lights
  • Electronic stability control
400

Can this discount be applied if the course taken as a result of a traffic violation?

NO!

400

What documentation is required for NON-standard device(s)?

Proof of equipment installation! (UF 00 31)

400

How is the discount calculated?

This is a system-generated discount based on a report from the Highway Loss Data Institute (HLDI) that is ordered at new business.

  •  The discount will be automatically applied if the HLDI data identifies the safety features as "standard."

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