Defensive Driving is a method of planning a drive so that the risk of accidents is reduced. This is achieved by obtaining more time to assess and anticipate so the driver is always prepared for the unexpected.
In other words he/she is a proactive driver and not a reactive one. It is readily accepted that by having defensive driver training accident rates in companies is reduced by 50% - 70%.
Contact me - it might benefit you more than just cheaper car insurance.