Senior citizens face unique challenges when trying to find low, affordable car insurance rates. Auto insurance companies have regulated seniors to a higher risk category. This is due to some of the debilitating physical conditions seniors sometimes endure due to the affects of aging. Conditions such as hearing loss, vision loss, and slower reaction times can affect seniors’ ability to operate their motor vehicles safely.
While it may not be entirely fair to label seniors in this way, auto insurance companies feel this demographic as a whole represents a greater risk to insure. What can you as a senior do about this? Well, just because you have aged doesn’t mean that you don’t have the right to cheap car insurance. There is something else that comes with aging – wisdom. This is a virtue, especially when it comes to driving an automobile. Seniors can use their advanced driving experience and knowledge to help secure cheap car insurance After all, shouldn’t there be benefits to aging?
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Mature Driver Discount
Some auto insurance companies offer discounts to drivers that are over a certain age. This discount usually kicks in after a driver reaches the age of 55. The discount can be worth up to 20% off the premium, depending on the insurer.
Driver’s Safety Course
The AARP offers driving courses especially designed for seniors. Auto insurance companies reward the successful completion of this course with insurance discounts– some up to 20% off the premium. AARP conducts these classes all over the country, so most likely there is one near where you live. And in case there isn’t, the AARP offers the same course online. This way, a senior can take the course from the comfort of their own home. Saving money on car insurance has never been easier. Visit their website at http://www.aarp.org for more information.
Long Term Policy Holder
The world of auto insurance is a very competitive business. Insurance companies appreciate your business and in an effort to keep you as a customer, some will offer discounts for people who have been insured with them for five years. This should especially appeal to seniors, as many senior citizens have relationships with certain insurance companies that date back a number of years. If you have been with the same insurer for a few years, inquire about this discount.
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Low Mileage Discounts
Many seniors have reached the point in life where they no longer work. Since they don’t have to commute to the office on a daily basis, most likely seniors’ annual mileage is lower than average. Since senior citizens are on the road less, there is less chance they will be involved in a collision. Auto insurance companies recognize this fact and offer low mileage discounts. If you drive less than 10,000 miles annually, look into getting this discount.
Good Driver Discounts
Many seniors have driving for most of their adult lives. This road experience allows them anticipate dangers that other demographics cannot. Quite simply, they have seen most of the hazards the road has to offer. This unique insight allows seniors to be more careful on the road, and as a result, they are often better drivers. If you have been accident free for at least three years, and have avoided traffic tickets, seek this discount. There is nothing auto insurance companies love more than an accident-free driver. Most insurance companies have discounts up to 20% off the premium. If you qualify, apply for this discount as soon as possible and start seeing some savings.
Get An Online Quote
There is no reason senior citizens should be content paying more than their fair share for car insurance. Often, seniors are not aware that they can make car insurance companies compete for their business. New technology now allows seniors to get a free online quote from multiple insurance companies. Simply fill out a quote form at Cheap Quotes Car Insurance (we recommend getting at least three quotes) and start saving today!