Don’t Overpay For Auto Insurance As A Senior

August 28, 2019

Life can get a lot more enjoyable as you get older, but it can also start to cost more. Many seniors are no longer working or are attempting to be more fiscally responsible with a fixed income. If you know anything about auto insurance, you know that after the age of 65, auto insurance starts rates start to rise.

Auto insurance for seniors doesn’t have to be overwhelming. Here are some quick tips to ensuring that as a senior, you’re getting the best price for your auto insurance:

1. Take advantage of driving less

As a senior, you may not have the responsibly of commuting to and from work as you did in your earlier years. If you’re recently retired, let your insurer know. Your premium should go down when you’re driving less.

It may be a good idea to take into consideration milage based driving systems. It bases your premiums on how much and how well you drive. Many insurances are now offering this and all you have to do is plug a device into your car and it will track your driving. You save money by driving well, driving during safe hours and not driving often.

2. Consider taking a driving class

Some insurance companies will require you to take a driving class after you turn the age of 65 to make sure you’re refined in your driving skills to earn a discount. Most classes have the option of being held in person or online. Contact your provider to see which classes are approved for your state.

What you can expect in a driving course for seniors varies. But you can count on hearing about how medications and aging affect your driving. You can also count on learning how to handle difficult driving situations and how to be a safe driver despite difficulties. Even if your insurer doesn’t require a class to receive a discount, taking a class will show your provider that you’re focused on being a safe driver, even into older age.

3. Protect your car

Have you considered putting an anti-theft system on your car? Most insurance companies will offer big discounts for making sure your car isn’t at risk of being stolen or broken into. Many insurance companies also offer discounts for etching the Vehicle Identification Number onto the windshield.

4. Avoid driving at night

It’s inevitable, our eyes biologically get worse as we age. Many accident happen at night due to poor visibility by the driver. Even if you wear glasses for night driving, visibility decreases especially on poor-lit roads. If you have no choice but to drive at night, make sure your lights are good and strong for maximum visibility.

5. Shop around for coverage

Most people don’t realize how much they could be saving on car insurance because they don’t search and find the best discounts for them. Talk to your provider and see what senior discounts they offer and what discounts you may be qualified for. It’s important to get quotes so you can compare prices and find the best provider for you and your needs.

You don’t have to overpay as you get older. In fact, if you follow these simple five steps, we can ensure that you can get the best price for your auto insurance. Life can get sweeter as your get older, don’t overpay for auto insurance.

Quick Money Savings Tip For Safe Drivers

There are dozens of auto insurers – Which one will give you the best rate?

Step 1) Choose your vehicle make below.
Step 2) On the next page, complete the 4 minute questionnaire, and you'll have the opportunity compare the best rates in your area.
Step 3) Keep more money and possibly save hundreds!

1 Choose a make for potential car insurance discounts:

Leave a Reply

Your email address will not be published. Required fields are marked *