While no driver looks forward to taking a defensive driving course, doing so offers several significant benefits that can make the time investment completely worth it. Taking a defensive driving course online adds further convenience and makes the class a financial boon for many Texas drivers. Here are the top three reasons why you should enroll in a defensive driving course online today.

1. Taking a defensive driving course can preserve your clean driving record.

When you get a moving violation or traffic ticket, the first impulse for many Texas drivers is to simply pay it and get it taken care of. Perhaps unexpectedly, however, paying your ticket can have long-term repercussions. That’s because when you pay for a traffic ticket, the infraction goes on your official driving record. Every infraction adds points to this record that remain for three years. This can have serious consequences. Accumulate six or more points on your record and you’ll face a significant annual surcharge from the state; you may even have your driver’s license suspended until points drop off your record, severely affecting your ability to maintain your job and lifestyle. Auto insurance companies also don’t look kindly on drivers with points on their records, and you might see your auto insurance premiums increase.

Completing a defensive driving course online, on the other hand, means that you don’t have to pay for the ticket and no points are added to your record. One caveat: most of the time, you can only complete a single defensive driving class in each 12-month period, and you do need to get the court’s permission.

2. Completing a defensive driving class can directly save you money on your speeding ticket.

As we noted above, completing a defensive driving course online means that you don’t have to pay for the traffic ticket you incurred. The average speeding ticket in the state runs about $150. Of course, you’ll still need to pay court fees of about $100 and course fees of around $25. Still, in net, completing a defensive driving class can save you upwards of $25.

2. Many insurance companies offer discounts to those drivers who can show they’ve completed a defensive driving course.

What if you aren’t facing a traffic ticket that you’d like to keep off of your record? Is there any advantage to completing a defensive driving course then? The answer is yes. Many insurance companies offer incentives to their insured drivers to encourage them to take such courses. This often comes in the form of an up to 10 percent discount on your annual car insurance premium. Not every insurer offers such discounts, so it does make sense to check first; however, major companies such as State Farm and GEICO have been known to do so.

In short, a defensive driving course may take up six hours of your time. Opting for an online option that can be completed at your convenience from home, however, provides significant benefits and can save you money and headache in the long run.