OK, is this really an issue?

[ShadowHM]

I've lived in Missouri my entire life.  I got my Drivers' License about two years ago.  Since then, I've had two different Drivers' Ed. courses, and an eight hour Defensive Driving class.  Still no sign of the elusive and mysterious 'insurance discount' I keep hearing about.

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I hate to ask such an obvious question :rolleyes: but have you asked your insurance company?

They don't keep track of courses taken, and they certainly don't have any incentive to be phoning you to ask about it. :P

I would be phoning my insurance agent, were I you, and asking some pointed questions about where and when they apply discounts and what documentation they want before they apply them.

I was bemused to realize that, in the case of my insurance company, the 'age' discounts that they apply kick in at surprisingly different ages, by gender. Women get that 'age discount' at 25 and men at 42! :blink: