(b) Reductions in premiums shall be available if all named drivers who are 25 years
of age or older: (1) Have committed no traffic offenses for the prior three years or since the date
of licensure,
whichever is shorter; (2) Have had no claims based on fault against an insurer for the prior three years; and (3) Complete one
of the following
types of driving courses: (A) A course in defensive driving
of not less than six hours from a driver improvement clinic or commercial or noncommercial driving school approved by and under the jurisdiction
of the Department
of Driver Services; (B) An emergency vehicles operations course at the Georgia Public Safety Training Center; (C) A course in defensive driving
of not less than six hours from a driver improvement program which is administered by a nonprofit organization such as the American Association
of Retired People, the American Automobile Association, the National Safety Council, or a comparable organization and which meets the standards promulgated by the Department
of Driver Services pursuant to subsection (f)
of this Code section; or (D) A course in defensive driving
of not less than six hours offered by an
employer to its employees and their immediate families, which course has been approved by the Department
of Driver Services.