Being a mature driver, which means you are 55 years of age or older, doesn’t make you a bad driver. However, many insurance companies feel that as drivers age their risk for getting into an accident increases. That usually translates into higher car insurance rates, whether you have a bad driving record or not. The only way to combat the increase of your car insurance rates might be to take a mature driver improvement course. Below is a list of features of a mature driver improvement course.
Be aware that not every car insurance carrier will reduce car insurance rates after taking a mature driver improvement course. Your best course of action is to contact your insurance carrier to inquire about reduced rates and what the percentage would be. You will also want to be sure that the specific course you are choosing to take and the company you are choosing to use are accepted by your insurance carrier.
Features of a Mature Driver Improvement Course
- Defensive driving – learning how to be a defensive driver will make any driver better. Defensive driving requires something called 360° vision. A person who is a defensive driver is aware of what is going on around them, including next to, in front and behind. By being aware of what is going on a person has more time to react. Part of the mature driver course will teach mature drivers how to react before something happens.
- Tune-up – Mature driver improvement course is going to give a person a refresher on the rules of the road and a tune-up of their driving skills. Occasionally rules of the road change so this course will go over any new rules and review the old ones.
- Reduce – Another feature of this course is helping mature drivers to reduce the number of crashes and traffic violations. Is done by learning about the physical changes a mature driver could be going through. A mature driver improvement course is going to help the mature driver work with any auditory or visual limitations.
- Information – Information will be shared with mature drivers about how their medications could affect their driving, that alcohol could impair their driving abilities faster and fatigue could also happen earlier. In the course, they will go over what to be aware of and the signs to watch for, like dizziness or a change in vision.
Being a mature driver doesn’t mean you have to give up driving. It just means you have to be aware of the changes to your body and adjust accordingly. It also might mean taking a Mature Driver Improvement course to reduce your car insurance rates.
Once the course is completed you will receive an official DMV certificate which you can then present to your car insurance company. The discount, assuming your insurance company will accept the course, is usually good for 3 years. The Mature Driver Improvement course might also end up helping you by providing you with useful information.