If you are 55 or older, save money on your car insurance premiums and become a better driver! Minnesota law requires that insurance companies offer a 10% reduction on auto insurance for three years if you complete a state-approved defensive driving course taught by professional, certified instructors. This is a live, interactive course that is held on an online platform - no driving or test required. Before the online class starts you will receive an email with information about picking up the needed class materials from our office. The materials include a certificate from the Minnesota Safety Council to complete during class to provide to your insurance agent for your discount.