Minnesota law mandates a 10% reduction in car insurance premiums for persons 55 years and older who complete a defensive driving class. Courses consist of an overview of safe driving; there are no writing or driving tests required. Classes take place at the Senior Center located at Senior Center 2484 East County Road F, White Bear Lake, unless otherwise stated. Advanced registration is required and can be done by mail, walk-in, or online at www.whitebearregistration.org. No drop-ins.For a complete listing of other sites and classes, call the AARP Information Center at (952) 858-9040. The Refresher Course is 4 hours and is for those who have completed a Full Course but need to renew the certificate.