Save on your car insurance. If you are 55 or older,save money on your car insurance premiums and become a better driver! Minnesota law requires insurance companies to offer a 19% reduction for three years if you complete the National Safety council's Defensive Driving Course, taught by professional, certifies instructors. The course is two sessions of classroom-no driving or test required. You will receive a certificate of completion to provide to your insurance company. Attendance at both sessions is required to receive credit.