Mature Drivers save on Insurance. - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
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post #1 of 13 Old 01-01-2011, 04:03 PM Thread Starter
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Thumbs up Mature Drivers save on Insurance.

Florida Mature Driver Program

Those who have a current Florida Driverís license and are 55 years of age or older are eligible to take this course. Completing this course allows you to receive a mandatory reduction on your insurance rates for 3 years per Florida Statute 627.0652.

So, if you are 55 or older, and have a Florida Driver's license,
(like those found in boxes of Cracker Jack )
you can pay about $15 to take a course which will save you about 5%
on the premium you pay to insure your automobile. The discount lasts
three years, then you take the course again to get another three years.
I am currently on my third go-through.

I tried to persuade a company to reduce my motorcycle insurance by 5%,
but that company gleefully retorted that a "vehicle" must have four wheels,
so they would not reduce my premium. I switched companies, and saved
a lot more than 5%.

There are plenty of sources for this course.
Just search for "Florida Mature Driver" with or without quotes.
You will get several course providers.

Keith

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post #2 of 13 Old 01-01-2011, 04:55 PM
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Will this course keep you old buggers from slipping off the brake pedal and driving through the front of a store? :mrgreen:
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post #3 of 13 Old 01-01-2011, 06:23 PM
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Keith,

Thanks for the tip; I'd never heard that. Even though I have a clean record; S FL insurance rates are ridiculous. And...hate to say it...I'll be eligible in 16 days!!

Who does your bike insurance? I've been buying through ::: Welcome To A.C.E. Specialty Insurance! ::: for a couple of years, but my policy is up in Feb. and I should look around.

Kenneth

Go hakafugu yourself.
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post #4 of 13 Old 01-01-2011, 07:40 PM
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My insurance company has a discount for all riders.. You pay $200 for the course which you have to take every three years and they knock about $25 off your annual premium.. I told them its not much of an incentive when it costs $66.66 a year broken out for the class.. Ive taken the class and have my card, its just not much of incentive to repeat it over and over so I can pay to get a discount.

2014 Suzuki V-Strom DL1000 (Desi)
2014 Suzuki V-Strom DL1000 (Delilah) Rental
2013 Suzuki V-Strom DL650 (Misty)
2010 Royal Enfield Bullet 500 Army (Greta)
2007 Suzuki GS500E (Gina)
1987 Yamaha TW200 (Tina)
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post #5 of 13 Old 01-01-2011, 08:16 PM Thread Starter
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Details, details.

Quote:
Originally Posted by WeThereYet View Post
Will this course keep you old buggers from slipping off the brake pedal and driving through the front of a store? :mrgreen:
Not funny, McGee!
I had my own private 9/11 a few years ago, but without any carnage.
A neighbour lost control of her van, demolished my flagpole, and totaled
her van by crashing into the front wall of my home. No damage to house.
And yes, this accident happened on the eleventh of September (2005).

The course is really quite simple. It must take you six hours to complete it,
but most of that time you are waiting for time to elapse, and probably using
other applications while time expires.

Kenneth, I get insurance from Geico.
I have a 2006 Wee-Strom, a 1984 CM-250, and a 2008 CBR-125R.
I pay $123 for an entire year's coverage. I do not buy collision coverage.
If I damage my bike, the loss is entirely mine. I win this gamble every year.

Here's the breakdown:
Bodily Injury Liability $100,000/$300,000 Non Deductible
650: $43.00 250:$14.00 125:$30.00
Property Damage Liability $50,000 Non Deductible
650: $16.00 250: $6.00 125:$14.00

Keith


Last edited by Keith Falkner; 01-01-2011 at 08:17 PM. Reason: precise date
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post #6 of 13 Old 01-01-2011, 11:34 PM Thread Starter
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Part way through the course ...

I have today completed almost half the course, being the introduction and modules 1 through 6 of 14. After module 14 comes a 40-question exam, and I need to get 32 or more correct in order to pass the course and earn the discount. The 40 questions are not the same for every student.

Module 6, for example, is mainly about seat belts and air bags.
There is the usual sermon about always using a seat belt,
followed by some ordinary information about child restraints,
headrests and how to adjust them, and advice on maintenance of
an automobile that everyone ought to know, such as get the oil
changed and replace windshield wipers once in a while, and check
the air pressure of all tires, including the spare.

Module 6 ends with 8 multiple-choice questions. There are two kinds
of question, common sense and statistical. Everyone ought to know
that if you maintain your vehicle it will work properly and last a long time.
On the other hand, to know what proportion of collisions occur within
25 miles of the driver's home, you need to refer to the material in the
module.

I completed the module and the quiz in about 12 minutes, then had to
dawdle and reread the material and do other stuff until the time elapsed,
whereupon I was able to record my completion of the module.

I think all states should have something like this, and I reckon that
Florida benefits from the ways this course improve driver knowledge.

Keith

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post #7 of 13 Old 01-02-2011, 12:23 PM Thread Starter
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Not perfect.

The information presented in this course is not totally accurate.

For example, a paragraph explains the appearance and meaning of a YIELD sign.
The last sentence in the paragraph says that a flashing yellow light has the same meaning as a YIELD sign.

Blatantly false.

Module ten ends by illustrating the various colors of signs.
It says there are eight colors,
then proceeds to illustrate all seven of them ...

The grammar is sloppy, and makes jarring jumps from first to second to third person and back.

First person: We shouldn't drive when we are tired, so
Second person: get plenty of rest before driving a long distance.
Third person: A tired driver is an unsafe driver, prone to ...

And this amateur error bugs me:
"Trip planning is when you decide the route and ... "
No, a thing or action is not "WHEN"!

As a professional author (no, you can't find my stuff and read it) I feel
insulted when I see that some incompetent fool has been paid to write tripe.

I offered to correct this course for a small fee, and got no
response when I took it before three years ago. I won't offer again.

Foo.
Keith


Last edited by Keith Falkner; 01-02-2011 at 09:21 PM. Reason: Misspelled a two-letter word! Phooey!
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post #8 of 13 Old 01-02-2011, 06:27 PM
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Quote:
Originally Posted by Keith Falkner View Post
Kenneth, I get insurance from Geico.
I have a 2006 Wee-Strom, a 1984 CM-250, and a 2008 CBR-125R.
I pay $123 for an entire year's coverage. I do not buy collision coverage.
If I damage my bike, the loss is entirely mine. I win this gamble every year.

Here's the breakdown:
Bodily Injury Liability $100,000/$300,000 Non Deductible
650: $43.00 250:$14.00 125:$30.00
Property Damage Liability $50,000 Non Deductible
650: $16.00 250: $6.00 125:$14.00

Keith
Hey keith, how's it going. I'm being real careful with my grammar and spelling now :biggrinjester: I pay almost a thousand for my one little DL650 up here in kanukistan. And no, we don't have an age discount.

ADVENTURE, like beauty, is in the eye of the beholder.
The destination, can be the journey! Honest Bob
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post #9 of 13 Old 01-03-2011, 02:06 PM
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Insurance

I have Foremost for 2 DL 650s and a KLR. I may have had to join AARP to get good discounts, but I didn't renew, and they didn't care. I think the cost for full coverage on my "new" 07 650 was $123.
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post #10 of 13 Old 01-03-2011, 10:00 PM Thread Starter
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Insurers are generally robbers.

Quote:
Originally Posted by honest bob View Post
Hey keith, how's it going. I'm being real careful with my grammar and spelling now :biggrinjester: I pay almost a thousand for my one little DL650 up here in kanukistan. And no, we don't have an age discount.
I remember paying plenty for shabby coverage in Ontario. I think the government did Ontarians no favour in making insurance compulsory, but I can understand why that measure was adopted.

I understand you'll be visiting Hudson FL one of these days. Please let us know your schedule, and we will schedule at least one RTE (Ride To Eat) so we can swap some lies.

I am still working on some wheels to lend you.

Keith

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