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This is a bit off topic but perhaps of interest. If not, the moderators can shut it off.

This may or may not be an opportunity in all states but here in Oregon, auto insurance carriers are obligated to offer a discount to all senior citizens who complete the AARP Drivers Ed course. The course can be taken online or in a classroom setting, the latter is 2, 3 hour sessions. In my case our insurance carrier provided a 5% discount on our car insurance, valid for 3 years. Definitely worth considering.
 

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Jon you can talk about anything you want in the Lobby as long as it isn't politics, religion, pornographic, or just generally in bad taste.
 

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From the AARP web site:

In many states the discounts are mandatory, so car insurance companies must offer insurance discounts to people completing a classroom-based, state-approved driver-improvement course. Discounts may vary based on the participant's age, driving record and other factors, and all participants are encouraged to check with their insurance agent before completing the AARP Smart Driver course.

The 35 locations are Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico*, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia and Wyoming along with the District of Columbia.
Additionally, 23 states and the District of Columbia require automobile insurance companies to offer insurance discounts to people completing a state-approved driver-improvement course that is conducted online.

The 23 states are Alaska, California, Colorado, Connecticut, Delaware, Florida, Idaho, Kansas, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oregon, Pennsylvania, Tennessee, Virginia and Washington along with the District of Columbia.**
In the states where auto insurance premium discounts are not mandated, several insurance companies voluntarily provide premium discounts to participants completing the AARP Smart Driver course.
 

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As Smitty said most states do offer an initial discount but that is quickly eaten up by price increases. Mine with State Farm, paid by bank draft, trickles up almost every month. Funny thing is when we agreed to the bank draft we received a discount, now they charge you a $1 a month "processing" fee. I wouldn't think an EFT would require much "processing". We did get credit for taking a drivers course when we bought a motor home. It was an 8 hour course offered by Lazy Daze in FL. Most private courses in SC run about $400 and are designed for beginning drivers. The advantage is most are taught by ex or active duty LEO's. The LEO's have a track in SC for their high speed training and most are pretty darn good. I would love to play on that one. My dirt track car running through the corn fields were long ago. It also pays to shop around for prices. (most of the "discount" companies are backed by the big dogs.) Maybe the smart thing is to buy a low priced used car and only carry liability. I just had a Honda Pilot loose a timing belt, which destroyed the engine, and turned the car into an expensive piece of junk. That doesn't happen with older cars.
 

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While we are on the subject of insurance, how many of you fellows have your huge investment in your shops covered? I found out that electronics, paintings,jewelry,guns and shop tools are not covered specifically in your home owners coverage, but are just lumped into the personal belongings section of the policy. Upon researching the personal belongings limit amount falls short of covering itself, much less the expensive items like guns and shop tools, including lumber, after a fire caused a total loss of my shop a few years ago. I now carry a separate rider for those items.

Just saying ,
Herb
 

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Herb, thanks for the heads up. I am going to check on a rider policy. I think the total used value of my gear would surprise me.
 

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Herb--- how many & what hoops did you go thru for the guns? Are they (the guns) depreciated drastically like a car or are the insurance companies actually more realistic---one can only hope.

smitty
 

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Herb--- how many & what hoops did you go thru for the guns? Are they (the guns) depreciated drastically like a car or are the insurance companies actually more realistic---one can only hope.

smitty
Sorry, but everything you own is depreciated down to $0.00 after it is 10 years old,I believe. Unless you can prove an antique value. You might check with your Insurance representative for sure. But those salesman gloss over things to make you feel like everything is covered too. When you have an actual claim, you are dealing with the claim dept., and thats a whole new adventure.

My advice to everyone is that if you ever have a fire , Hire an Independent Public Adjuster to deal with the insurance company. He will charge you 10% fee but will resolve your claim for 3X what the insurance company will settle directly with you. He knows all the rules and holds their collective noses to the grind stone,like an attorney.plus all the headaches are left to him.

Herb
 
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