Section 23-89-210 - Premium reduction for college graduates(a) Any schedule of rates or rating plan for automobile liability and physical damage insurance submitted to or filed with the Insurance Commissioner shall provide for an appropriate reduction in premium charges for those insured under twenty-five (25) years of age who have graduated from a college or university, and whose cumulative scholastic records show that the insured attained one (1) of the following: (1) If letter grades are used, a grade average of "B" or higher; or(2) At least a 3-point average on a 4-point scale (or equivalent).(b) All insurance companies writing automobile liability and physical damage insurance in Arkansas shall allow an appropriate reduction in premium charges to all eligible persons subject to this section.(c) This reduction in premium charges shall not apply to those insureds who qualify for a premium reduction due to marriage.Acts 1997, No. 1184, § 1.