Senior drivers can be some of the safest people on the road — statistics show that people over 60 are involved in fewer accidents than those in younger age groups. Unfortunately, though, this isn’t always reflected in the cost of insurance for older drivers. While auto insurance rates have been soaring for everyone across the U.S., seniors have seen as much as a 30% increase in their premiums compared to middle-aged drivers.
If you’re a mature driver looking to save some money on your Amica Mutual insurance premiums, the Amica mature driver discount may be able to help. This discount program helps senior drivers with a record for being safe behind the wheel unlock discounts on their insurance premiums, as long as they meet certain criteria to qualify. Ready to learn more? Let’s get started.
What Is the Amica Mature Driver Discount?
Like many other auto insurance companies, Amica Mutual offers a mature driver discount, a program aimed at safe and experienced drivers to reward them with discounts on their auto insurance premiums. These programs recognize that older drivers bring not only decades of experience behind the wheel, but also good judgment and generally cautious behavior that makes the roads safer for all of us, and makes their insurance more affordable to encourage them to continue to drive safely.
What Are the Requirements for the Amica Mature Driver Discount?
The age requirements for matured driver discounts vary by state, so check with your Amica Mutual insurance agent or broker for exact details. Other than meeting age requirements, you generally need to have a clean driving record, and take and pass a DMV-approved mature driver course.
What Are the Requirements for the Amica Mature Driver Discount in California?
In California, to qualify for Amica’s mature driver discount, you mustL
- Be at least 55 years of age.
- Have a valid California driver’s license.
- Maintain a clean driving record.
- Have an Amica Mutual insurance policy on at least one vehicle you drive.
- Take and pass a California DMV-approved mature driver course (more on that below).
How to Get the Amica Mature Driver Discount
Ready to start saving money on your Amica insurance? Follow these steps to obtain the Amica mature driver discount.
1. Make sure you’re eligible for the program. Double check the requirements above — in California, you need to be at least 55 years old, have a valid California driver’s license, maintain a clean driving record, and have an Amica insurance policy on at least one vehicle.
2. Sign up for a California DMV-approved mature driver course. These courses are sometimes also called defensive driving courses. They help refresh your driving skills and knowledge of the rules of the road, plus adapt to age-related changes, like natural declines in your vision and hearing. At Traffic Safety Institute, we offer an online mature driver course that’s approved by the California DMV and accepted by Amica, as well as all other major insurance carriers in California — plus, we guarantee you’ll save at least $100 through the mature driver discount when you take our course.
3. Complete the course and receive your insurance discount certificate. Once you pass, you’ll get your certificate, which is what you need to present to your Amica Mutual insurance agent or broker so they’ll apply the mature driver discount to your premiums. At Traffic Safety Institute, you receive your insurance discount certificate as soon as you pass the course.
4. Start saving money on your insurance premiums. Once your insurance agent or broker applies your discount, it remains valid for up to three years. That’s three years of savings on your auto insurance before you need to renew the discount (more on that below).
FAQ About the Amica Mature Driver Discount
Still have more questions about the mature driver discount? You’re in the right place. Below are some of the most frequently asked questions so you can learn everything you need to know about how to save on your auto insurance premiums.
1. What’s the Amica Mature Driver Discount Age?
The age to qualify for the mature driver discount in California is 55 or older. 99% of California drivers of that age are eligible for the program.
However, the age to qualify can vary by state, so if you live in a state other than California, check with your Amica Mutual insurance agent or broker for exact details.
2. How Long Is the Amica Mature Driver Discount Valid?
Once you complete and pass a defensive driving course and receive your insurance discount certificate, it’s valid for three years of discounts on your insurance premiums. If you want to keep your mature driver discount, every three years, you’ll need to take a renewal course, which is similar to the initial mature driver course, but shorter. After passing the renewal course, you’ll receive a new insurance discount certificate to present to your Amica insurance agent or broker. Each certificate is valid for another three years of discounts.
3. How Much Can You Save With the Amica Mature Driver Discount?
Mature driver discounts vary by state, insurance carrier, and even by individual insurance agent or broker. It’s always a good idea to contact your insurance agent to ask them about their individual discounts so you know exactly how much you’ll be saving if you pursue the mature driver discount.
However, the average savings for California drivers who obtain the mature driver discount is around 10%.
According to a Bankrate analysis, the average annual cost of car insurance premiums in California is $2,291. If your auto insurance costs that much, a 10% discount would mean saving $229.10 per year. Over the three years that the mature driver discount is valid, that’s a total savings of $687.30 — before you ever need to take another course to renew the discount.
When you take your mature driver course through Traffic Safety Institute, we guarantee that you’ll save at least $100 on your insurance premiums with the mature driver discount. But here you can see that it’s easy to save much more than that.
4. How Long Is the Mature Driver Course?
The California DMV-approved course contains 13 modules of easy-to-follow information meant to help refresh your driving knowledge. If you take the mature driver course in a classroom, the DMV requires at least 400 minutes of instruction for the initial course, and 240 minutes of instruction for the refresher course.
But if you choose an online course (like the one we offer here at Traffic Safety Institute), you can take the course at your own speed, using any internet-connected device. While you can take as much time as you’d like, many people finish the course in a single sitting. It’s all about whatever is most convenient for you.
5. How Do You Get the Amica Mature Driver Discount?
First, make sure you meet the eligibility criteria for the mature driver discount program. Then, sign up for a DMV-approved mature driver course. Once you complete and pass the course, you’ll receive an insurance discount certificate. Present this certificate to your Amica Mutual insurance agent or broker, and they’ll apply the mature driver discount to your insurance premiums.
Sign Up for Your Mature Driver Course for Free with Traffic Safety Institute
When you’re looking for a DMV-approved mature driver course, you have a lot of options. There are many of them, all over California — including a lot of online courses like ours. Most of them cost between $40 and $70 for the course. But what they don’t tell you is that they also have extra hidden fees. For example, once you pass the mature driver course, many online traffic schools make you pay an extra fee before they’ll give you your insurance discount certificate!
Not Traffic Safety Institute. We have no hidden fees, guaranteed. Our entire DMV-approved course costs just $24.99.
Here’s everything that’s included:
- DMV-approved course
- Guaranteed to pass
- Electronic certificate copy
- Free and fast shipping for your physical certificate copy
- 24/7 live chat support
- Audio read along
- $100 insurance savings guarantee
Plus, our course is accepted by every major insurance carrier in California — not just Amica. That means if you ever switch insurance providers, you can take your discount with you.
Ready to start saving money on your auto insurance? It’s free to get started — at Traffic Safety Institute, you don’t have to pay until you pass. That’s how confident we are that you’ll love the experience.
Start saving money on your Amica car insurance. Sign up for a Mature Driver Course today and get started for free.
