If you are over 55, you are considered a mature driver, and you may have noticed a small bump in your car insurance.
It hardly seems fair that solid, experienced drivers should pay higher premiums than younger people, but often that is the case.
If you’d like to save money on your car insurance, you can do so by taking a very simple online driving class. In some states, such as New York, it is even required by law that insurance companies have to offer such a discount.
Now that you can take this course online, from the comfort of your home, it is well worth considering.
But I Know How To Drive!
As a mature driver, you have been driving safely all your life, which means you should probably save money on your car insurance just through your experience.
Unfortunately, this isn’t the case.
From the early days, when you were allowed to take your dad’s pick-up for a spin around the property, or had your mom show you how to back up the driveway in her station wagon, you learned how to drive safely.
You drove the kids to school, you drove to work every day, very likely you still do, and you are still driving just as well as you always did.
The problem is not you. The problem is how insurance companies calculate risk, and they consider mature drivers a higher risk, which is why you may have noticed your insurance premiums creeping up.
A mature driver’s course is solely designed to lower your insurance rates, and who wouldn’t want lower insurance rates?
Why Do I Need Car Insurance?
This is one common question that drivers ask, especially first-time drivers. It’s probably because they haven’t thought that far ahead to consider the benefits having car insurance brings.
Yes, in some states, like New Hampshire, drivers are not required to get car insurance. But almost every state has governing laws that make it a requirement.
Truth is, you’ll find that most drivers buy car insurance because it is the law, but remember that the law will not require anything without any valid reason.
So if you’re asking if you need one, there’s no doubt that you do. But don’t settle with just the minimum coverage because you need to abide by the law. You are still paying for it, so you might as well max out the benefits that you can get.
Getting complete car insurance coverage will help protect you and your family from huge expenses that may come ahead. If you pay now and invest a small amount, you may avoid costly expenses in the future.
Besides, you will also want to feel safe when you drive. Driving entails a heavy responsibility – your safety and the safety of your passengers, most often your family members or friends, is on you. If an accident happens while you are behind the wheel, you’ll be responsible for any damages, bodily injuries, or worse, for their deaths.
By getting car insurance, you can drive at peace knowing that if ever something bad happens, you won’t be shouldering all the expenses. You are protected. The guilt for causing the accident, especially if someone died, will stay, but at least you’ll have a way to help them financially.
Now, some may think that if they are a safe driver, accidents can’t occur while they are the ones driving.
But are they alone on the road? Of course not.
Even if you are the safest driver out there, you have no control over the behavior of other drivers.
Several factors such as road and weather conditions may also increase the likelihood of getting into an accident.
Yes, being a safe driver lessens the likelihood of getting into an accident, but there are external forces that you have no control over, so it’s still better to prepare for the worst.
Can You Really Save Money On Your Car Insurance?
If you’d like to save money on your car insurance, it will highly depend on the state you are in and your insurance company.
Right now, 34 states mandate that insurance companies must give you a discount if you take a course that has been specifically designed to save money on your car insurance once you’ve received a certificate of completion.
You can find the list here, along with other useful car insurance information for mature drivers.
But even if your state doesn’t have such a mandate, your insurance company may offer a discount anyway by completing an approved course.
The first step is to contact your insurance company and find out if you can save money on your car insurance after taking a driving class.
Talk to your insurance agent and make sure you get a firm quote on how much you can save by taking a driving class.
How Do I Find An Online Driving Class?
You can find all the information you need to pick a driving class on our site, but for courses to reduce insurance, we would recommend Improv Traffic School, GoToTrafficSchool, or I Drive Safely.
This is one of the oldest online driving schools around, one of the biggest, and their courses are well known and accepted by the insurance industry.
With over 5,000,000 people having completed this course already, saving money on your car insurance with them is a solid choice.
I Drive Safely offers a course tailor-made for mature drivers looking to reduce their insurance rates. This means that the course has been carefully designed to cover all the points the insurance companies require to get you on your way to lower rates.
The cost of the course is reasonable, and you will earn back the money quickly through the savings you will get on your insurance.
Check out a list of other options for saving money on your car insurance by taking any of the certified classes below. Just make sure you verify that the course you want to sign up with is approved by your state and insurance company.
How Does It Work?
All you have to do is go through an online driving course such as I Drive Safely and follow the instructions on how to sign up.
You can find the specific information on the mature drivers course in this link to make it even easier. The course consists of simple lessons designed to fulfill the particular requirements for your state.
The lessons are enhanced with graphics and animations to make the course more fun and pleasant. You may even find yourself enjoying the course.
Once you have completed the course, I Drive Safely will mail you 2 copies of your certificate. All you have to do is deliver the certificate to your agent and you are set to get your discount.
How Long It Takes To Save Money On Your Car Insurance With An Online Driving School
In order to save money on your car insurance, you’ll need to complete the entire course. You can spend as long as you like on the course, or you can get it over with quickly.
For the most part, it is up to you and how seriously you take the training. Since the course is online, it is available any time you feel in the mood to work on it. You don’t have to go anywhere to take your class, and you can do in your slippers and robe at your kitchen table if you feel like it.
Some people devote a full day to doing only the course, for quick completion, and others do it a little at a time over several days or even weeks.
We sometimes complain about the Internet and how the kids are always glued to their Facebook pages, but online driving class is a very convenient bonus of the Internet.
At the end of the course, you take an easy exam to get your certificate.
What if I Have A Problem With My Computer?
Don’t worry about not being a computer wiz or not having a perfect Internet connection all the time.
I Drive Safely has 24/7 customer support, but the school also automatically saves all the work you have done on the course, so even if your Internet connection fails, or you have some problem on your computer, you won’t lose your place in the course.
If you have any trouble at all along the way, all you have to do is call or email the helpful staff at I Drive Safely, and they will be happy to walk you through the trouble and get you back to working on your course. You won’t need to get a hold of your grandkids to stay on track with your course. So don’t delay, get started on your insurance discount right away.
Saving money on your car insurance doesn’t have to be difficult. Sometimes, you can save money on your car insurance simply by taking a state certified driving school course which mandates by law that your insurance company gives you a discount.
Good luck and drive safely!