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Bloomington mature driver course 4-hour refresher vs 8-hour initial requirement
I am 59 years old living in Bloomington. Do I need the 8-hour initial course or the 4-hour refresher course for Minnesota insurance discounts?
Hello Gregory, Under Minnesota Statute § 65B.28, the required course duration depends on your previous completion history: - First-time participants aged 55 and older must complete the initial 8-hour driver safety course to qualify for the mandatory 10 percent discount - If you previously completed an approved 8-hour course within the past 3 years, you only need to take the shorter 4-hour refresher course - Present your completion certificate to your auto insurance carrier in Bloomington to maintain your rate reduction for another 3 years. Minnesota Mature Driver Course Please let us know if you have any further questions!
Is the Minnesota 10 percent discount automatic?
I keep seeing that Minnesota insurance companies have to give a 10 percent discount after defensive driving. Does it happen automatically?
Hello John, Almost — Minnesota law (Minn. Stat. §65B.28) requires auto insurers to provide a 10 percent discount on premiums for drivers 55 and older who complete an approved defensive driving course, but it is not automatic on the insurer's side. To activate it: - Email or upload your completion certificate to your auto insurer - Ask for written confirmation of the discount start date and 3-year expiration - Set a reminder to re-take the refresher course (shorter, 4 hours) before the 3 years end Drivers under 55 may still get a voluntary discount — worth asking your carrier directly. Minnesota Defensive Driving Course Please let us know if you have any further questions!