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Discussion Starter #1
Florida Mature Driver Program

Those who have a current Florida Driver’s 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 :green_lol:)
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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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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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
 

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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.
 

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Discussion Starter #5 (Edited)
Details, details.

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
 

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Discussion Starter #6
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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Discussion Starter #7 (Edited)
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
 

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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:yikes: :biggrinjester: I pay almost a thousand:jawdrop: for my one little DL650 up here in kanukistan. And no, we don't have an age discount.
 

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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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Discussion Starter #10
Insurers are generally robbers.

Hey keith, how's it going. I'm being real careful with my grammar and spelling now:yikes: :biggrinjester: I pay almost a thousand:jawdrop: 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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Discussion Starter #11
QAPLA!

Well, I completed the 14 chapters of the course.

The fourteenth is simply a summary of the course:

Conclusion And Wrap-Up
We hope that you have enjoyed this course. We all tend to take driving for granted. We hope this course will help sharpen your skills on the highways. To summarize the course, you should now be familiar with the following topics:
· The social and personal losses due to traffic crashes.
· Various hazardous acts and their effect on the driving environment.
· Laws in respect to speed, signs, school buses and the consequences for failure to comply to these regulations.
· The point system and the penalties for a rapid accumulation of points.
· The importance of safety equipment and their proper use.
· The effects of alcohol on your driving capabilities.
· The real costs and legal consequences of DUI.
· Steps that can be taken to reduce stress on yourself.
· Physiological and Psychological factors affecting the mature operator.
· The importance of getting the proper amount of sleep and the dangers of driving while fatigued.​

This is followed by a 40-question test,
and I think my dog could earn a passing score of 32.

A few of the questions concerned statistics, and merely serve to test whether you remembered the material meticulously ... or prudently made a copy of the course material while taking the test, which latter situation applied to me. Most of them were really basic tests of driving sanity, such as not passing on a curve or hill.

So here is the bottom line: if you are 55 or over and have a Florida Driver License, and pay for automobile insurance, AND AVOID MOVING VIOLATIONS, you can save 5% on your insurance premium for 3 years by taking this $15 course and passing the exam and sending the certificate to your insurance company.

Keith

Oh? You were wondering about my score on the exam?
I scored 40 out of 40.
 

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Keith,

I took the MSF basic-rider course a few years ago in St. Pete. I don't recall the scoring system but I got the top score on both the riding and written parts. I don't think I should have. Both parts were much too easy. It didn't help that the instructor was a blowhard who spent most of his time trying to impress the ladies in the course.

By contrast i took the ER course in San Francisco and it was excellent.
 

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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
PM'ed you I did.
 
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