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Insurance Discounts and Driving Courses

Insurance Discounts:

Connecticut State Law Title 38a Sec. 38a-683 mandates a premium discount for a private non-fleet automobile under an automobile liability or physical damage insurance policy for any principal operator who has attained the age of 60 and has submitted proof of a successful completion of an accident prevention course approved by the DMV.

The DMV Phone Center will take a message and the customer will be called back as soon as possible with a list of approved courses. The minimum discount is 5% for a period of two years. Many insurance companies give a discount of more than five percent. Contact your insurance company for more information.

The discount must, by law, apply to the liability coverage. But a particular insurance company could decide to discount non-liability coverage as well. Contact your insurance company for more information.

If you meet the requirements for a premium discount, by law you cannot be denied the minimum discount regardless of your driving history.

For drivers less than 60 years old, the law does not require insurance companies to give a premium discount as a result of a successful completion of a driving course. But many insurance companies do give a discount. A discount is common for teen drivers who have successfully completed an acceptable driving course. Contact your insurance company for more information.


Driving Courses:

For general driving course information, contact AAA Driver's Education Department: 860-236-5864 or consult your yellow pages under "Driving Schools."

For information concerning motorcycle courses (Motorcycle Riding Course, Better Biking Program) call 1-800-872-RIDE. Satisfactory completion of a motorcycle rider education course qualifies the individual for a 10% discount on liability insurance under Connecticut State Law Title 38a Sec. 38a-685.

 

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