The premium for a motor vehicle liability insurance policy can be reduced for a 55 year old who does all of the following EXCEPT:

The premium for a motor vehicle liability insurance policy is typically reduced based on certain safety and risk factors related to the insured driver. Completing a defensive driving course, having a clean driving record, and maintaining continuous coverage are all recognized as mitigating factors that can lower insurance premiums. These actions demonstrate the driver’s commitment to safe driving practices and reduced risk, which insurers often reward with lower rates.

However, passing a written safety examination is not commonly among the qualifying criteria for premium reductions. While it might reflect knowledge of safe driving practices, it does not directly demonstrate a driver's behavior on the road or their experience in driving. The other options are based on tangible actions that prove consistent responsible driving behavior, making them valuable to insurers for assessing risk and determining premium rates.