August 26, 2025

Which course should I choose if I drive 25k miles/year (risk & insurance)?

High‑mileage drivers should prioritize point protection and insurer visibility (state rules apply). Here’s a simple way to decide.

Which course should I choose if I drive 25k miles/year (risk & insurance)?

Short answer: If you’re ticketed in Florida, elect BDI within 30 days to withhold points (and follow your clerk’s certificate rules). In Michigan, if SOS says you’re eligible, completing BDIC within 60 days keeps points off and insurers from seeing the ticket. For insurance‑only savings, ask your insurer which approved courses they accept.

What to do next

Florida: Elect BDI with your clerk; complete and submit on time.
Michigan: If eligible, pass BDIC with an approved sponsor within 60 days.
Insurance: Verify discount eligibility with your insurer before purchasing.

Sources (official)

FLHSMV — BDI overview: https://www.flhsmv.gov/driver-licenses-id-cards/education-courses/driver-improvement-schools/
Michigan SOS — BDIC eligibility/FAQ: https://www.michigan.gov/sos/license-id/bdic

Enroll at Road Ready Safety → https://roadreadysafety.com/