Learn How To Get The Best Car Insurance For Senior Citizens Online Now
If you are on the lookout for low cost auto insurance for senior citizens then you may take advantage of our cost-free specialist services online to make your task easy. As you are an experienced driver, we can help you to secure a discounted package from some top rated car insurance company within our nationwide network of specialized insurance companies. Click Here To Know More About Getting Cheap Senior Citizen Auto Insurance Coverage! »
Lower Premiums With Highly Discounted Senior Car Insurance Quotes
- Obtain special discount on auto insurance for seniors if you are above the age of 55 years and have retired from service.
- Some states provide discounts if you are a member of some non-profit organization and have taken course in defensive driving from some reputed training institute.
- You can also determine eligibility to get discount on senior car insurance policy if you are sure you will be driving less miles annually.
- Some insurers may even offer discount to drivers who have matured in age. You can contact such insurance providers and find if you can get this discount
- Shopping could be the key to secure many other several senior citizen auto insurance discounts as some companies may also provide discounted packages to senior drivers who are willing to switch over.
Here’s How You Can Save Money On The Best Car Insurance For Seniors
There could be number of ways through which you can save money on car insurance for seniors as mentioned below:
- Get safety features installed in car -Most of the insurers will extend discount if you get safety devices such as security alarms, side airbags, and anti-lock brakes fitted in your car.
- Choose the right type of car coverage To lower premium on senior auto insurance policy, you may think of dropping comprehensive or collision coverage especially if you are driving an older vehicle.
- Drive less number of miles annually A lot could depend on the number of miles being driven every year. Majority of the car insurance providers take this into account while determining premiums.
5 Tips For Finding The Most Affordable Auto Insurance For Senior Citizens
You could have much better chances of qualifying for senior auto insurance discounts if you take the following aspects into consideration.
- Convince companies that you no longer drive car for longer distances because of your rising age and get 5% to 10% discount on your senior’s car insurance cover.
- You can opt for a “Pay-As-You-Go” program or a usage based vehicle insurance plan for reducing the cost of your insurance premium by getting telemetric device installed in your car.
- One way to qualify for lower senior citizen car insurance rates online is to take a class for learning defensive driving techniques when on road or undertaking an accident prevention course.
- You could also consider excluding any additional driver, who is part of your household, on your existing auto insurance policy as it will help in lowering your insurance premium rate.
- Few dollars can be saved on senior citizen auto insurance cover if you drive a safer car which has safety devices like anti-theft alarms, parking lights, etc. installed in it.
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Senior Citizens Car Insurance
How to Find the Best Auto Insurance for Seniors
One of the advantages of being a mature driver is that insurance companies recognize your experience, and that experience can bring you better pricing in the form of safe driver and senior discounts. Let’s talk about how you can be rewarded for your longevity and wisdom through lower rates and discounts on your auto insurance policy.
Top Reasons to Find a New Mature Driver Auto Policy
- You recently turned 50 or hit another “milestone” birthday
- You have taken a safe driving course, and your current policy does not offer a discount
- You have been “claim free” for two years or more but your rates remain high
- You do not have a local agent who regularly reviews your insurance needs
- You have had a recent life change such as getting married or losing a spouse
Factors that Affect Senior Auto Insurance Rates
There are a number of important factors that can affect your rates, and even how much insurance you need to buy. One factor that will make a difference in your policy and rates is the type of vehicle you drive. For example, if you switch from driving a high end car such as a Lincoln MKS to a standard family car like a Ford Focus, your rates will likely decrease.
How often you drive is a factor in determining your insurance rates, too. If you are paying the same rate you were when you were commuting daily to work now that you are retired, you are most likely paying too much. A daily work commute brings with it certain risks that are vastly reduced if you are driving less frequently.
Your driving record is a key factor in determining your auto insurance premium. Seniors tend to be safe and cautious drivers, though they may have lost confidence or have diminished vision, which can lead to mistakes. Many mature drivers have not refreshed their driving skills since they initially learned to drive many decades ago. Taking a driving course specifically for mature drivers can enhance your driving skills, which can help you remain safe on the road, and maintain your good driving record. It can also result in a discount, just for taking the course.
Finally, an important and often overlooked factor is whether you are paying for coverage you don’t need. One example is loss-of-use coverage and the damage to non-owned automobiles. The loss of use endorsement is used when you have been involved in an accident and need a car to drive to work while your vehicle is being repaired. The liability for damage to a non-owned vehicle is the coverage you would use if you wanted to rent a vehicle for the weekend.
If you and your spouse are both retired, and are listed on each other’s auto policy, you may not need this additional coverage. That being said, if you travel, you may want to call your agent and add the coverage onto one of the vehicles so you will have coverage abroad.
Senior Auto Insurance Discounts
You may qualify for a number of discounts, and it pays to ask about any potential discounts you may qualify for, including the following:
- Age discount: Many discounts start at around 50 and increase every five years.
- New business and customer loyalty: Many insurance agencies show appreciation for your business when you start a new policy, and will also reward your customer loyalty when you renew.
- Low mileage: If you rarely use your vehicle, such as 5,000 miles per year or less, you may receive a special low mileage discount.
- Multi-line discount: If you have multiple policies with the same insurer, such as your car, home and RV, you can typically qualify for a discount on the package.
- Multi-vehicle discount: If you and your spouse each have a vehicle, or you have two cars, you can enjoy a multi-car discount.
- Payment in full: Paying your entire premium annually saves on service charges and those savings are passed on to you.
Make sure you ask your agent for all available discounts. This is especially important because your agent may not be aware of a change in your status, such as retirement. Working with a local agent who takes the time to listen to your needs and provide personal assistance can make a difference, not only in your costs but also in the quality of your customer experience.
Senior Car Insurance Can Be Affordable
Your senior auto insurance does not have to break the bank. As you can see, there are many ways to save. Reviewing your coverage annually with an agent can help ensure that your policy fits your current needs and lifestyle and that you are paying only for the coverage you need.
5 Tips for Seniors to Get the Best Auto Insurance Rates
After dropping gradually as you get older, your car insurance rates will start crawling uphill after you turn 65. All that means is you have to focus a little harder on getting the best auto insurance rates.
But as a senior you have some advantages that you didn’t have when you were younger. Here are five tips to help you save on auto insurance for seniors.
1. Take a driving class.
In most states, car insurance companies must offer discounts to seniors. In Massachusetts you get a discount just for turning age 65. In other states, though, you have to take a class to brush up on your driving skills to earn the discount. Some classes are offered in person, while many are offered online through such groups as AAA and AARP. Check with your state insurance department to see which ones are approved for getting the mandated discount.
The classes are cheap — less than $20 in many cases — and they cover lots of ground. You’ll learn about how aging and medications affect driving, how to accommodate those changes safely and how to navigate common, but challenging, driving situations.
2. Choose a car that’s cheap to insure.
Car insurance rates vary widely depending on the type of car you drive. The next time you go car shopping, get insurance quotes for the models you’re considering. Generally the cheapest cars to insure are those that don’t cost a lot to repair and replace, are driven by mostly safe, experienced drivers, and do good jobs of protecting drivers and passengers in crashes.
Make sure you get all the discounts you can from your car’s features. Many auto insurance companies offer discounts for cars equipped with anti-lock brakes and airbags.
3. Protect your car.
Besides helping you avoid a loss, anti-theft devices can score you discounts with many insurers. Technology that could save you money include alarms, disabling devices (which don’t allow the car to start if someone tries to steal it), and vehicle tracking systems such as OnStar or LoJack. Make sure to check with your insurer to see which products qualify for an insurance discount, if that’s one of your reasons for buying a device.
You don’t have to go high-tech to get a discount. Many insurance companies also offer discounts for etching the Vehicle Identification Number onto the windshield.
4. Get credit for driving less.
Recently retired? Let your insurer know. Your premium should go down if you no longer commute to a job every day.
You might also consider a usage-based insurance program, which bases premiums in part on how much and how well you drive. With Progressive’s Snapshot program, for instance, you plug a device into your car’s diagnostic port and it records when and how much you drive, as well as sudden changes in speed. You save money for low mileage and driving during the safest hours. The riskiest — and most costly — time to drive is between midnight and 4 a.m. You also save money if you minimize hard braking.
“We’ve found hard braking to be one of the most highly predictive variables for predicting future crashes,” Dave Pratt, Progressive’s general manager of usage-based insurance, said in a press statement. “We know that one of the main contributors to hard braking is tailgating, so we’re using our data to help drivers be as alert and aware as possible on the road.”
5. Shop around for coverage.
It’s a good idea to shop yearly for car insurance to compare quotes and make sure you’re still getting the best auto insurance rates. Car insurance premiums vary widely by company.
You can easily compare rates with NerdWallet’s car insurance comparison tool.
Who has the Best Car Insurance for Seniors?
With the Baby Boom generation growing older, there are more retirees on the roads than ever before. Fortunately, senior citizens in their 50s and 60s pay less for car insurance than nearly any other group of people. After 75, a driver’s car insurance begins to increase sharply; the elderly get into almost as many accidents as teenagers, and their rates do sometimes reflect that.
It’s important to choose an insurance company that will fit your needs. In many cases, older people require different things from their company than younger drivers will. By doing some research, you can find an insurance company that will suit your needs without breaking your budget.
Features to Look For in an Insurance Company
Ultimately, the best insurance company will be one that meets your individual needs, which may differ from other people of your age group, gender or geographical location. Generally speaking, though, older drivers often prefer companies with exemplary customer service and are willing to spend more to get it. They may prefer to purchase policies through an agency so that they can have a central point of contact for questions and claims. They may also care less about technological innovations. A few other considerations when purchasing an auto insurance policy as a senior are:
— Decide whether you’d prefer to handle your policy through an agency or if you’d like to manage the policy online.
Some direct-sales insurance companies have begun offering agency support, so you may be able to find an agent for GEICO or Progressive in your area. Just be aware that these are not available in all areas.
— Find a company that will reward you for your safe driving history
If you’ve managed to drive accident-free for many years, you deserve low rates and safe-driver discounts. Most insurance companies offer these, but some will offer better rates than others.
— Consider getting multiple policies with one insurer
Older people usually have a lot more assets to protect than younger drivers. If you have a home, boat, motor home or other property that needs to be insured, consider insuring it all through a single company. it will make it easier to pay your bill each month and will also qualify you for a discount.
— Pick good medical coverage
It’s always a good idea to carry first-party medical coverages on your vehicle, but it becomes more imperative as you age and become less resilient to injury. Even a minor collision could cause long-lasting joint and muscle damage when you’re getting older. It’s a good idea to pay a little extra for good medical coverage on your auto policy.
— Explore Usage-based Insurance
If you’re retired, you probably drive less than you did when you were regularly commuting. You can get a discount on your insurance by explaining your reduced annual mileage and providing odometer readings. If your insurance company offers it, you can also sign up for a usage-based policy that will monitor your driving habits and charge accordingly.
Best Insurance Companies for Seniors
Although all insurance companies will offer affordable rates to senior drivers, some stand out in the marketplace. State Farm, for example, offers hands-on customer support through its agencies. It also offers very competitive rates and an attractive discount to policyholders with multiple types of policies. Allstate also operates through a combination of agency support and 24-hour customer service hotlines, and its accident forgiveness and safe driving rewards programs are both extremely attractive.
One excellent insurance company for seniors is The Hartford. Although it’s not as well-known for auto insurance as other companies, The Hartford is a primary provider of employee benefits such as life insurance. It also provides auto insurance for the popular seniors club, AARP, so club members get a discount on policies. Policies are sold through independent agencies, so you may be able to use the same agent if you’re currently working with an independent agent.
If you don’t already have auto insurance, any of these companies may provide the product and service that you need. If you do have an existing policy, you can negotiate with your insurer to see if you can reduce your rates. Otherwise, it may be time to start shopping for a new insurer. You can comparison shop online or have an independent agent look into policies for you.
Whatever you choose, be sure to take the time to research your options thoroughly before deciding on a company. That will help make sure that you get the coverage and customer service that you need for the price you’re willing to pay.
Senior Guide To Car Insurance
Senior Drivers and Car Insurance
Americans are living longer than in previous generations. In fact, the U.S. Census Bureau estimates that by 2030 the population over 70 years old will increase from 29.7 million (2012) to 52.7 million. This means that senior drivers are an increasing presence on the road and in the car insurance market.
If you are a senior driver, you can benefit from knowing about car insurance for seniors and coverage considerations for older drivers.
Finding Senior Discounts
One of the perks of aging is becoming eligible for senior discounts. Most auto insurance companies offer reduced rates to drivers who reach a certain age (e.g., 50 years old).
In addition to the typical senior driver discount, you may be able to save money using one of the following methods.
- Brush up on your driving skills. Senior drivers are often eligible for a discount by completing and passing adefensive driving course.
- Accepted courses vary by state.
- Ask about alow-mileage discount. If you’ve cut down your driving time (for example, because you’re retired), let your car insurance provider know; you can usually save money if you stay under a certain mileage cap per year.
- Buy a safe car. Cars determined “safe” or “low-risk” by car insurance companies, such as those listed as a Top Safety Pick by the Insurance Institute for Highway Safety (IIHS), will often qualify you for a discount.
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Getting the Right Coverage
While auto insurance discounts are often given to drivers who reach mature age, insurance rates tend to increase for drivers beyond that age.
Because reflexes slow and vision decreases as you get older, seniors present increased risk to their auto insurance companies. This increased risk results in higher premiums.
There may be options, however, to save money. When you are assessing your car insurance policy, consider the following:
- Your deductible. If you are driving fewer miles, you may wish to raise your deductible to save money over the long-term.
- Your coverages. You might find that some of your optional coverages no longer make sense if you driving significantly less than you used to. If you decide to drop collision and comprehensive coverage, for example, you can lower your premium.
- The primary driver. If you are no longer doing the majority of the driving in your car (e.g., if you child drives you), you can potentially save money by changing the primary driver on your policy.
Taking the time to create a policy that works for you and takes your current driving habits into consideration can ensure you get the best, most cost-effective car insurance coverage.
Cutting Back on Your Driving
Giving up your car is one of the most difficult parts about aging. For many, it symbolizes a loss of independence. However, it is something that you need to think about as you or your parents grow older.
It may be unsafe to continue driving if you notice either you or your parents are:
- Consistently driving faster or slower than the general flow of traffic.
- Having a medical condition or being on a medication that impairs:
- Reaction time.
- Getting lost in familiar areas.
- Having frequent small accidents or scares.
- Regularly being stopped for moving violations.
- Experiencing decreased hearing, vision, or mobility.
Being an Educated Driver
Get the most out of your car insurance by:
- Being a safe driver.
- Investigating the possibilities for senior discounts.
- Choosing the best coverage for your situation.
Finally, keep monitoring yourself or your parents for signs that it is time to give up driving. If you are not yet ready to stop driving, consider cutting back, such as driving only in good weather or near home.