“ 55 Alive ” mature driver improvement course is an online defensive driving insurance discounts in each state. Many states have adopted the mature driver insurance discount driving course for ages 50 and up.
Even in states where a discount isn’t the law, most auto insurance companies still offer a break for taking a defensive driving course.
Drivers age 55 and older qualify in many states for a Mature Driver Car and Auto Insurance Discount. After completion of this course, you will get a certificate either by mail or direct download (for some states) to forward to your insurance company or agent. See your policy for additional details.
The AARP says its studies reveal an average savings of $60 annually. A discount lasts three years, at which point drivers can repeat the course (cost hovers around $20) to maintain the discount.
You can save up to 15% on your auto insurance premium as a mature or senior California driver, but exactly how much you save will depend on your insurance company, your driving record, and other factors.
Even if you are an experienced driver, driver training can still help you lower you insurance. Completing a defensive driving course from an MTO approved driving school could qualify you for a discount.
Many states and insurance companies offer discounts for drivers ages 50 and older who take driver education courses. These programs cover information about driving safely if you have health problems, using new technology in your vehicle, following traffic laws, and practicing defensive driving strategies.
six hoursHow Long Does It Take to Complete? The course takes six hours to complete. You can work on the course over multiple sessions, logging on and off as needed.
Here are some examples:Cancel Collision Coverage – not as necessary with older cars.Increase Your Deductible – the higher the deductible the lower your premiums/rates, but this will mean you have to pay more in the event of a crash.Minimal Coverage – only pay for what is required by Ontario law and nothing more.
How to save on car insuranceTake a reputable driver training course. ... Build a good driving record free of accidents and convictions. ... Figure out how much coverage you need – and don't pay for anything you don't. ... Think about insurance costs before you buy a vehicle. ... Compare apples to apples.More items...•
Geico: Although it costs more than USAA and Erie, Geico is the cheapest insurer that is widely available for 50-year-olds, at $1,707 per year on average.
Average monthly costs for a 10 year level term policy for a non smoker woman in good health:AGE$100,000$200,00057 year old woman$20.28$34.6058 year old woman$21.26$36.7959 year old female$22.77$39.2360 year old woman$23.98$42.7012 more rows
Traditional Low-Mileage Discount: Offered by most insurance companies, this discount offers reduced rates for driving fewer miles. Typically, people who drive less than 7,500 miles per year or 10 miles or less per workday are eligible for this discount.
Mature driver improvement courses are designed for drivers 55 and older and provide instruction on: Defensive driving. California motor vehicle laws. Updates on rules of the road. The effects that medication, fatigue, alcohol, visual, or auditory limitations have on a person's driving ability.
If you have a Florida Driver's License and are 55 years of age or older, you are now eligible to complete a motor vehicle accident prevention course that will allow you to receive a mandatory reduction on your insurance rate for three years (Florida Statutes 627.0652).
The AARP senior driving class is four to eight hours long, depending on the state, and includes no written or road tests.What it does include is a good deal of discussion about aging’s effect on seeing, hearing and reacting, and tools that drivers can use to compensate.
Most who take the AARP driving course are in their early or mid 70s, although the course is open to drivers of any age. Some attend with their teenage grandchildren, and it’s unclear who is dragging whom.
One challenge instructors face is convincing drivers who don’t need to shave traffic points to come take the class. Instructors say that older drivers are willing to talk about the challenges of aging but fear that their license will be pulled if authorities think they’ve forgotten some driving information.
AARP has been especially active over the years recommending such classes for its members and other seniors. The group notes that 34 states and Washington, D.C., actually mandate a discount for customers of any age who complete a safe-driving course (New Mexico, however, does not mandate a discount for those under 50).
Some states only mandate the discount for an approved in-person course. But as of July 2016, the AARP reported that 23 states and the District of Columbia did require insurance companies to offer insurance discounts to individuals who completed a state-approved online driver safety course, as well.
A discount lasts three years, at which point drivers can repeat the course. The cost of the course varies by location, but is typically $25 to $30. You can find a nearby classroom or register for the online course.