Minneapolis Minnesota drivers age 55 and older can save a ton on their existing car insurance policy. For example, a sample driver we used would have an average premium of $1,400 a year in Minnesota, meaning he or she would realize at least a big drop in their car insurance bill with the discount. In most cases, your insurer will have to honor this discount continuously for at least 2 - 3 years, so the total savings could run as much as as $630. Considering the class only costs $20, you would see a huge return on investment. When it expires, you just need to take a renewal class and you will be eligible for the discount again for another 2 - 3 years.
Minneapolis Senior Driver Accident Prevention
Minneapolis Mature Driving Improvement Course
Minneapolis Senior Citizen Drivers-
Senior Defensive Driving Online
Click below for the cost of course:
Minneapolis, Minnesota 55 Alive Course-The State of Minnesota has authorized an aging mature senior driver aged 55 and over to get a mandatory insurance discount on their existing car insurance premiums when that take this online course. The Minnesota 55 Alive or Senior Driving Improvement Course is also known as the Mature Driver Accident Prevention Course and is approved to be taken online by "I Drive Safely". This Minnesota 55 Alive is a Minnesota local affiliate of "I Drive Safely-Minnesota (IDS)".
Minneapolis, Minnesota Mature Driver Accident Prevention and Auto-Car Insurance Discount Course
It takes skill to drive in Minneapolis, Minnesota – and you should be rewarded for being a good driver. If you’re a senior 55 and over, you’ll qualify for up to 15% off of your insurance bills by taking the Minnesota senior driving course. This no-hassle, online class will help you hone your driving skills and save you money. And since it’s approved by the Minnesota Department of Public Safety, you’ll be confident that you’re getting a quality senior driver improvement experience.
Customer Support When You Need It
If you run into any problems, we’re here to help. Our live U.S.-based customer support team is standing by 24/7 at (800) 448-7916 to answer any of your questions about our course or anything related to driving in Minnesota. And to ensure your satisfaction, we offer a money-back guarantee on all of our courses.
Auto-Car Insurance Premium Discount: According to the National Association of Insurance Commissioners, as of January 2015, 34 states and the District of Columbia and including the state of Minnesota, has mandated car/auto insurance premium discounts for older adults. All but Massachusetts require older drivers (usually age 55 and over) to complete an approved-accident prevention course.
Minneapolis Minnesota drivers age 55 and older can save a ton on their existing car insurance policy. For example, a sample driver we used would have an average premium of $1,400 a year in Minnesota, meaning he or she would realize at least a big drop in their car insurance bill with the discount. In most cases, your insurer will have to honor this discount continuously for at least 2 - 3 years, so the total savings could run as much as as $630. Considering the class only costs $20, you would see a huge return on investment. When it expires, you just need to take a renewal class and you will be eligible for the discount again for another 2 - 3 years.
In 34 states and the District of Columbia getting older can be the ticket to cheaper car insurance. All you have to do is pass an approved driving class that aims to keep your driving skills sharp. If you do, you can lower your insurance by as much as 15%.
Rules vary by state, but typically the discount is offered to seniors age 55 and older who take a state-approved class (priced from $19.95 to $41.25) and meet all other state requirements. The classes cover safe-driving strategies, rules of the road, use of new technology and the effects of health issues on driving ability.
IDS offers one of the lowest cost and best overall mature driver accident prevention course. They can be taken in a classroom or online, but some states and insurers require classroom instruction for the discount. Before taking a class, check with your state's department of motor vehicles and your insurer to be sure it's an approved class.
According to AARP, the 34 states, in addition to D.C., that mandate a discount for safe-driving classes are: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia and Wyoming.
Of those 34 states, 23 and the District of Columbia mandate a discount for online versions of state-approved classes. The 23 states are: Alaska, California, Colorado, Connecticut, Delaware, Florida, Idaho, Kansas, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oregon, Pennsylvania, Tennessee, Virginia and Washington.
Once you pass the class, you get a certificate that you turn into your insurer. The discount is good for three years, after which you must take a class again. Most of the states leave the amount to the insurer's discretion, but Delaware, Georgia, Minnesota, New York and Wyoming mandate a discount of 10% or more and Connecticut, New Jersey and Pennsylvania require at least 5%.
If you don't live in one of the 34 states and D.C. with discount rules, it's still worthwhile to check with your insurer. Many, including Allstate and The Hartford offer discounts to drivers of any age for an approved defensive-driving class. Some companies offer discounts to retirees simply for retiring and driving less.
Car insurance companies really like safe drivers; they are less likely to get into an accident, and therefore less likely to cost them money through settling claims. Unsurprisingly, then, of all the car insurance discounts you can use to reduce your auto-insurance premium, the most universal may be a rate reduction in exchange for taking a course on safe driving, which is often titled a “defensive driving” course.
What’s required is relatively painless, and the benefits reasonably generous. You pay a modest fee--typically $25 or so--and take an online course that you complete, usually at your own pace, in about six hours. (You can usually find a list of approved class providers somewhere on your state’s DMV website. You may have to sign up with one of the approved class providers listed there in order to be eligible.)
The courses include questions and resources about how to be a more effective defensive driver on the road. Essentially you are retaught how to take less risks when you’re driving. Upon completion, depending on the state in which you’re licensed (and, in some states, on your insurance company as well), your premium is typically reduced between 5% and 15% for two to three years.However, like most insurance discounts, there are exclusions and caveats to discounts from completing a safe-driving course. Here’s a rundown of what you need to know.
In Some States, Only Senior Drivers Are Eligible
In many states, including New York, Florida, Virginia, and Kansas, drivers of all ages can take a defensive driving class and realize a discount on their premium. However, if you live in California, Florida, Pennsylvania, Washington, Tennessee, Minnesota, or Nevada, you won't be able to qualify for a discount unless you are at least 55. (Consequently, in these states the course may be called a “Mature Driver Improvement Course.)
If your state isn’t cited above, you should find eligibility information on your state’s DMV site. Most states will reward in some way or form for the completion of a safe driving course however. One further caveat: The residence determinant of eligibility typically isn’t where you currently live but the state in which your driver’s license was issued.
Discounts Vary By State
States reward drivers with differing discounts in terms of both rates and the parts of the of policy to which the discount is applied.
Florida is among the states in which discounts are the broadest and most generous. Any driver who completes a Basic Driver Improvement course is entitled to up to 10% discount on their total car insurance rates.
In at least two other states, New York and Minnesota, the state government mandates at least a 10% discount. In New York, though, coverage applies only to the liability (BI and PD), PIP, and Collision coverage premiums. (However, considering that BI, PIP and Collision coverage are some of the costliest portions of your total policy premium, a 10% reduction on each of them can represent a significant savings.) And in Minnesota, eligibility is limited to drivers who are 55+. Some companies within those states can, and do, offer deeper discounts than the required 10% minimum rate. Pennsylvania’s senior drivers (alone) are entitled to a 5% discount.
If your state isn’t cited above, you should find information on discounts on your state’s DMV site.
These discounts can add up to a hefty savings, especially given the multiple years in which they’re in effect. For example, a sample driver we used would have an average premium of $1,152 a year in Minnesota, meaning he or she would realize at least a $115 drop in their insurance bill with the discount. In most cases, your insurer will have to honor this discount continuously for at least 2 - 3 years, so the total savings could run as high as $345. Considering the class only costs $20, you would see a huge return on investment. When it expires, you just need to take a renewal class and you will be eligible for the discount again for another 2 - 3 years.
Bad Drivers May Not Qualify
You may also need to be--and stay--accident free in order to keep your discount. In other words, if you cause an accident that resulted in claims while your discount was effective, your insurer has the power to cancel your savings early despite the law. Another reason could be due to a conflict of benefit. As an example, in most of these states a court may require a driver who has been convicted of traffic violations to take a defensive driving class as a penalty. In this case, your defensive driving class credit cannot be used again towards insurance discount.
The article Why You Should Take a Defensive Driving Course originally appeared on ValuePenguin.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
This Course is Minnesota DPS Approved by:
MINNESOTA DEPARTMENT OF PUBLIC SAFETY
DRIVER AND VEHICLE SERVICES
445 Minnesota St.
Suite 176, Saint Paul, MN 55101
Phone: (651) 201-7626 TTY: (651) 282-6555
Fax: (651) 296-5316
dvs.dps.mn.gov
DRIVER AND VEHICLE SERVICES
445 Minnesota St.
Suite 176, Saint Paul, MN 55101
Phone: (651) 201-7626 TTY: (651) 282-6555
Fax: (651) 296-5316
dvs.dps.mn.gov