A defensive driver in the insurance world is someone who takes proactive steps to avoid accidents and minimize the risk of injury or property damage. Defensive driving practices often include:

• Maintaining a safe following distance: This helps you have enough time to react to sudden stops or changes in traffic.
• Scanning the road ahead: Pay attention to other drivers, pedestrians, and road conditions to anticipate potential hazards.
• Obeying traffic laws: Following the rules of the road helps prevent accidents and demonstrates responsible driving.
• Avoiding distractions: Keep your focus on the road and avoid distractions like texting, eating, or using your phone.
• Being aware of weather conditions: Adjust your driving to account for rain, snow, fog, or other adverse weather.

Insurance companies often offer discounts to policyholders who complete defensive driving courses. These courses teach defensive driving techniques and can help reduce the risk of accidents, leading to lower premiums.