Does Florida law require insurance companies to offer a discount?
Yes. Florida Statute 627.0652 requires all auto insurance companies to offer reduced premiums to drivers 55 and older who complete an approved course.
How much will my insurance discount be?
Discount amounts vary by insurance provider. Many drivers receive between 3% and 10% off their premiums. Contact your insurance company for your specific discount amount.
Will my insurance company accept this certificate?
Yes. Florida Statute 627.0652 requires all insurance companies to accept certificates from FLHSMV-approved courses.
How long does the discount last?
Your discount is valid for three years from your course completion date.
Can I renew my discount after three years?
Yes. You can take a renewal course to maintain your discount for another three years.
When does my discount start?
Your discount begins after you submit your Certificate of Completion to your insurance company. Contact them to confirm when the discount will appear on your policy.
Do I need to notify my insurance company?
Yes. You are responsible for submitting your certificate to your insurance company to activate the discount.
Does car insurance go up at age 70 in Florida?
Insurance rates are based on many factors, including driving history and the specific insurer. Completing a mature driver course can help offset potential rate increases by qualifying you for a discount.
Does a defensive driving course lower insurance in Florida?
The Mature Driver Improvement Course for drivers 55 and older qualifies you for a state-mandated insurance discount. Defensive driving courses may also offer discounts, but they serve a different purpose. Check with your insurer for details.
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