Senior Driver Discounts can save you big money on your car insurance

Under MCA 33-16-222, insurance companies are required to provide a premium reduction for car insurance for Montana Seniors aged 55+ who successfully complete an approved highway traffic safety program

This initiative promotes safer driving and offers financial benefits backed by Montana law

Specific statutes outline the requirements and administrative framework for senior driver discounts, ensuring compliance and accessibility for eligible drivers

There are three Montana statutes that establish the what and how the legal stuff happens

MCA 33-16-222: Rate Reduction Mandate

This statute requires that any rates for liability, bodily injury, or collision coverage must include a premium reduction for eligible seniors who complete an approved highway traffic safety program

MCA 61-2-102: The Traffic Safety Program

The term “highway traffic safety program” refers to initiatives designed to reduce accidents, injuries, and property damage

These programs must comply with federal guidelines established under 23 U.S.C. 402 and can include defensive driving courses

MCA 61-2-103: Administrative Framework

The governor oversees the administration of these programs, designating an administrator to manage them

The Montana Department of Transportation (MDT) is responsible for approving the courses that qualify seniors for discounts

Montana Senior Driver Discounts provide substantial savings for eligible drivers

MCA 33-16-223: Duration of Discounts

The premium reduction is effective for three years following course completion

To maintain eligibility, seniors must retake an approved course every three years

MCA 33-16-224: Certification Requirement

Organizations offering approved courses must issue certificates to participants, which are necessary for securing the premium discount

MCA 33-16-225: Exclusions

Discounts do not apply if the course is taken as a court-mandated punishment for moving violations

If you can save money, why wouldn’t you?

Seniors can expect an average savings of 5% to 15% on their auto insurance premiums after completing these courses, amounting to potential savings of around $300 to $500 annually.

The cost of these courses generally ranges from $12 to $35, making them a cost-effective way to achieve significant savings.

It’s easy to get started: Ready, Set, GO!!

• To begin taking advantage of Montana Senior Driver Discounts, follow these steps:
  • Choose an approved course from the list
  • Complete the online training
  • Receive your completion certificate
  • Submit the certificate to your insurance agent
  • Enjoy your insurance discount!

Important Note: Before enrolling in a course, it’s advisable for you to verify with your insurance provider that you will receive the premium discount upon completion of an approved defensive driving course.

Why spend money when you don’t have to?

In Montana, taking advantage of the senior defensive driving course will enhance your driving skills and provide savings on your auto insurance premiums

Don’t miss out on the opportunity to save money while staying safe on the roads!

If you liked this article you can find more HERE:

Ready to Drive Down Your Insurance Costs?

Call: (406) 416-1096

We are an equal opportunity provider