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.. Eligible UCare members may receive an allowance to spend toward community education classes. Members must have UCare insurance at the time of registration. Limits and restrictions may apply. Contact UCare for further information.