If you're paying for your own insurance, you'll appreciate the savings. If mom and dad are paying for your insurance, they may require this step!

The program:

Once you complete our driver safety program with your parents or guardian, you may be eligible for a 5% discount on your insurance premiums. Even better, if you continue to meet the requirements of the Young Drivers Program, you can keep your discount until you turn 25.

The 5% premium credit applies to all coverage premiums except Comprehensive. This will be in addition to the defensive driver course discount.

Who should participate:

Licensed drivers under age 18, along with parent or guardian.

What's involved?

• Have and maintain a valid North Dakota driver's license
• Be rated on a policy with Nodak Mutual Insurance Company prior to participating in the program—one that provides continuous liability coverage
• Complete a certified defensive driver course and renew the safe driving contract every three years
• Sign a contract promising to drive safely and not drink and drive. Parent(s) or legal guardian(s) must also sign the contract.

Fee: No charge