What is a Driver Training Discount? - Insurance Navy. A Driver Training Discount is an auto insurance discount offered by insurance companies to policyholders who have completed an approved driver education or defensive driving course. The discount is based on the premise that drivers who have undergone formal training are more likely to be safe drivers and less likely to be involved in accidents or commit traffic violations, thus posing a lower risk to the insurance provider. The insurance discount varies by insurance company and state regulations, but it can be a significant saving on auto insurance costs. The insurance discount is usually applied to the portion of the insurance premium that covers liability for bodily injury and property damage, as well as collision coverage. To qualify for a Driver Training Discount or a defensive driver discount, the policyholder must provide a certificate of completion of approved driver education courses.