Auto · Mature-driver courses
A senior discount is a credit you have to ask for
In some states the law tells admitted insurers to offer a premium reduction after an older driver finishes an approved safety course and turns in the certificate. In other states the credit is only whatever that company filed. Either way it is not automatic, and there is no honest single percent. The renewal shows the credit or it does not.
Texas discounts in general: Texas car insurance discounts and Texas car insurance. The regulator’s consumer page: Texas Department of Insurance.
What the credit does and does not change
It reduces premium on the lines the filing names, often liability, sometimes the whole policy, for a period that expires. It does not raise your liability limits, and it does not add collision or comprehensive. When the certificate expires, the credit comes off at renewal unless you take the course again. Age alone, without the certificate, is not the discount. Some companies also rate older drivers differently for claims reasons. That rating is not this credit.
Check the same question in the other states we write: Colorado, Missouri discounts, and Tennessee discounts. Tennessee’s department: Tennessee Department of Commerce and Insurance.
