[TinaBlitz]

Originally Posted by gorillarick

ASI Mature Driving Course ASIcourse.com American Safety Institute
I paid $14.95 for it in 2023.
Researched several others, and thought this was the most credible - really wanting to do some good vs. making a quick buck. Would assume most others are based on this one.

My insurance company is USAA, members only.

How much did USAA give you as a discount?

[Cliff Fr]

Would the cost of the course exceed the discount?

[OrangeBlossomBaby]

Originally Posted by gorillarick

I got a $50/6-month discount after completing the course. Learned a lot. Most of us assume Florida law is the same as what we learned 50 years ago - many states away.

There are plenty of on-line course available. Just search. AAA comes to mind.
I'd prefer the on-line. Sitting in a classroom with teacher trying to be cute for hours doesn't seem productive to me.

- - -
I also signed up for vehicle monitoring with my insurance company recently. They do watch for excessive speed, but more important is jerky motion, and using cell phone while driving.
Jerky motion - you will drive jerky if playing with your dang cellphone.
But more important, heavy braking because your are tail-gating ! Stupid Stupid Stupid

I get a grade after every drive. Don't have to look at it, but says I'll get a 15% discount on my next renewal.
Sounds good to me!
And I like driving like a responsible senior. Not in a big hurry to get to Walmart, nor my next stop in life.

Yup. I'm cashing my $16.84 check for safe driving this month. Usually it'd be applied to my premium but I already paid it. I get a whole bunch of discounts already.

[Rainger99]

Originally Posted by LoisR

My wife and I recently completed an online auto safety course. We contacted our insurance agent and was told a discount of about $2 (yes $2, not a typo) was available.

That is what my insurance company told me. The course costs more than the discount!!

[gorillarick]

I hope people take the course for more than just the discount. I learned a few facepalm items like;
There is no " but I had the right-of-way " in Florida. If you cause an accident because you claim you had the right-of-way, you caused the accident.

That was a neck-stretcher, but makes sense. Yeah, some people could abuse this one -> reckless drivers.

- - -

I've lived in six states, and one foreign country. This is a freakin' dangerous place compared to all of them.

[Normal]

We live in a”No Fault” state. That is what makes insurance rates astronomical in Florida. Insurance lapses aren’t enforced unless a driver is pulled over and people can register their cars 2 years in advance which doesn’t require proof if done by mail. There are a ton of loops that create the uninsured driver and make your rates high. Probably one of the biggest causes is illegal immigration’s impact and the uninsured. All of these create problems that legislators and law enforcement could fix, but won’t.



This brings me to what you can do. Let’s say you own a five year old car that’s only has a replacement value of 15 to 20 K. Florida Law states you only need 10,000 PIP and 10,000 PDL coverage. Change your policy to do the minimums. Most sold policies will have these items cranked way up to 250,000 or even 500,000 for property. Adjust your policy and save.

[Bill14564]

Originally Posted by Normal

....

This brings me to what you can do. Let’s say you own a five year old car that’s only has a replacement value of 15 to 20 K. Florida Law states you only need 10,000 per vehicle and 10,000 for bodily injury coverage. Change your policy to do the minimums. Most sold policies will have these items cranked way up to 250,000 or even 500,000 for property. Adjust your policy and save.

Be careful giving out insurance advice when you don't understand what the insurance requirements are.

[Normal]

Originally Posted by Bill14564

Be careful giving out insurance advice when you don't understand what the insurance requirements are.

Thank You

Clarified… straight from Florida Highway Safety and Motor Vehicles

Any vehicle with a current Florida registration must:

Be insured with PIP and PDL insurance at the time of vehicle registration.
have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.

Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage.

Have continuous coverage even if the vehicle is not being driven or is inoperable. Surrender the license plate/tag BEFORE cancelling your insurance.

Purchase the policy from an insurance carrier licensed to do business in Florida. (If you are new to the state, you may ask your agent to transfer your current insurance to a Florida policy.)

Maintain Florida insurance coverage continuously throughout the registration period regardless of the vehicle’s location. (Military members stationed out-of-state/country may be exempt. Visit our military page for more information.)

Florida Insurance Requirements - Florida Department of Highway Safety and Motor Vehicles

[Bill14564]

Originally Posted by Normal

Clarified… straight from Florida Highway Safety and Motor Vehicles

Any vehicle with a current Florida registration must:

Be insured with PIP and PDL insurance at the time of vehicle registration.
have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.

...

Yes, you must carry car insurance in Florida, those are the minimums, and you have the skills to cut and paste from a website.

Perhaps I misunderstood your recommendation above. It seems to imply that since your vehicle has a low value, the minimum PDL would suffice. However, the $10,000 PDL does not apply to your vehicle, it covers damages caused to someone else's property:

PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.

So unless you are careful to only have an accident with another five year old car with a replacement value of $10,000 or less, the minimum coverage would not be sufficient and could lead to an uncomfortable situation.

Personally, I like the idea of a higher PIP available too in case I ever need it.

[Sully2023]

Originally Posted by bopat

Am I reading this right, FL law requires auto insurers to give people 55 years old or older a discount if we complete a safety course? Anybody know where we can do a safety course?

Chapter 627 Section 0652 - 2024 Florida Statutes - The Florida Senate

I signed up for the safe pilot app for my Usaa car insurance. The app tracks your phone usage - texting, talking, internet (any phone use) and braking hard when driving. It’s changed the way I drive. I no longer look at my phone at all when driving. I keep my distance from drivers in front of me and learned how to enter circles without braking hard. I save 30 percent each year based on my 91 out of 100 score.

I have to admit I was not happy with the app when I first started. I’ve grown use to it and it makes me a better driver.

[jjombrello]

We recently took the excellent AARP Drivers Course and turned in our certificate to AAA Insurance to get our discount. The cost of the course for the two of us was $40.00. The discount on our auto insurance was, as I recall, $25.00.

[Pairadocs]

Originally Posted by LoisR

My wife and I recently complered an online auto safety course. We contacted our insurance agent and was told a discount of about $2 (yes $2, not a typo) was available.

Which company was that ? Hope not ours (Progressive) LOL ~!

[DAVES]

Originally Posted by bopat

Am I reading this right, FL law requires auto insurers to give people 55 years old or older a discount if we complete a safety course? Anybody know where we can do a safety course?

Chapter 627 Section 0652 - 2024 Florida Statutes - The Florida Senate

I regularly wonder why ask here. Call your insurance company. Ex New Yorker. They had a program where you would take a course, several hours movies etc and you would get if I recall 10% off comprehensive and 10% off collision, The discount was good for three years and you would need to do it again. You could also take the course to remove points from your license. Would be groups of around 50. Truth a bit scary to discover what some people THINK? is proper driving.

POLITE? We have some INTERESTING drivers, walkers etc around here.

[DAVES]

Originally Posted by Bill14564

Be careful giving out insurance advice when you don't understand what the insurance requirements are.

I would say the same about any advice. Imagine stopped by a cop or whatever. Excuse but xxxxxx
on TALK OF THE VILLAGES said it was OK. Books on that are very amusing.

[gorillarick]

replying to: I signed up for the safe pilot app for my Usaa car insurance. The app tracks:

Yeah, and my gas mileage has gone up !