Portland, Oregon Senior Citizen Discounts on Your Existing Car Auto Insurance Policy – Mature Drivers, 55 Alive, Driver Improvement, Accident Prevention, Defensive Driving, Safe Drivers Classes

Oregon “55 Alive

” driver improvement course is an online defensive driving insurance course discounts in the state of Oregon. Many states have adopted the mature driver insurance discount driving course for ages 50 and up. Some car insurance discounts are for drivers age 55 and over.

Oregon Senior Drivers Age 55 and Up Mature Driver Improvement (ORS 742.490)

(1)

Any rate, rating plan or rating system filed with the Director of the Department of Consumer and Business Services for a motor vehicle insurance policy offering liability, personal injury protection or collision coverage, shall

provide an appropriate reduction in premium charges for such coverage if:

(a)

The principal operator of the covered vehicle is an insured 55 years of age or older.

(b)

The principal operator of the covered vehicle has successfully completed, within the appropriate time as specified in this subsection, a motor vehicle accident prevention course approved by the Department of Transportation. To meet the requirements of this subsection, a course must be completed no more than three years prior to the beginning of the policy period for which the discounted rate applies if the person is less than 70 years of age at the time of taking the course or no more than two years prior to the beginning of the policy period for which the discounted rate applies if the person is 70 years of age or more at the time of taking the course.

(c)

There are no persons under 25 years of age who “regularly” operate the motor vehicle.

(d)

The vehicle is not classified for underwriting purposes as used for a business.

(2)

If the person qualifying for an insurance premium reduction under subsection (1) of this section is the principal operator of two or more vehicles, the premium discount shall apply to only one vehicle. No more than one premium discount may be applied to one vehicle. [1989 c.379 §§2,4

Senior Defensive Driving Refresher Online Defensive Driving, Driver Improvement, Traffic School Classes are available in all 50 states for a car/auto Accident Prevention Courses where drivers can get up to 15% off (depending upon specific insurance company and policy terms) their existing and current insurance premiums. See your insurance agent/agency or insurance policy for details. Most discounts are standard and common among most insurance companies upon driver improvement course completion. Drivers under the age of 55 can qualify for the Accident Prevention Course by simply signing up and taking the course.

Senior Drivers over the age of 55 can qualify for the citizen driver or the Senior driver improvement course by taking the online Defensive Driving course specific to Senior drivers at or over 55 years of age. See your insurance agent/agency or insurance policy for details.

The Mature Driver Improvement Course provides instruction on defensive driving and Oregon motor vehicle laws. During this course you will learn updates on rules of the road, the effects that medication, fatigue, alcohol, visual or auditory limitations have on a person’s driving ability.

Money Saving Benefits  for All Oregon Drivers

Mature drivers, 55 or older, who takes an approved Driver Improvement Course can qualify for reduced motor vehicle insurance premiums. Oregon law allows insurance companies to decide the percentage of premium reduction. The insurance carrier can refuse to give a reduced rate to those who have poor driving records. You may wish to ask your insurance company about your eligibility and the amount of discount after taking an approved mature Driver Improvement Course.

 

Oregon Drivers Under Age 55 

Most insurance policies offer a discount for all drivers regardless of age after taking a defensive driving course.  There is a difference in the course for under the age of 55.  For the oldest of drivers, it’s been so long since many of these operators have learned the state traffic laws, the changes in the laws over the years is more significant and more detail in those changes.