Save Money on Senior Car Insurance Quotes
Lowest Auto Insurances - Specials and Discounts for Older Drivers
Nov 11, 2009
The popular saying goes "Ask and you shall receive." Drivers as young as 50 should start asking their insurance provider for discounts or otherwise consider changing to another company.
How to get Senior Car Insurance Quotes
- Negotiate with current provider for a better rate. Insurance providers would rather lower rates than lose an existing customer.
- Quotes can easily be obtained by comparison shopping on online sites.
- A mature driver can make use of an auto insurance broker to negotiate on his or her behalf. The advantage in going this route is that any queries or claims further down the line will be handled by the broker, and often the best rates can be found in this way.
Senior Discounts to Find the Lowest Auto Insurance
Many insurance providers automatically provide a discount when a senior citizen is switching or opening a new account, but be sure to mention it, just in case.
A senior driver may be eligible for a discount of up to 5% if he or she is retired or not employed full time. Age requirements for this type of discount vary by state and insurance carrier.
Mature drivers can also save on Personal Injury Protection (PIP) coverage. Some car insurance companies provide a discount if a minimum amount of the driving mileage is by anyone over a specified age.
Being a careful driver and avoiding accidents and citations will always mean lower insurance rates. Drive a safe, modern car with power steering, power braking and automatic transmission to keep safer on the roads.
Taking a defensive driving course for mature drivers could help reduce auto insurance premiums by as much as 15%. More than two-thirds of states in the US mandate auto insurance policy discounts for such courses, and many providers offer discounts voluntarily. The discounted period is usually three years and may save an average mature driver $300 - $500 on their insurance. According to iDrivesafely.com, courses for seniors start at $19.95, but special rates are sometimes provided.
Drivers over 50 are far less likely to cause accidents and claim from insurance. They are seen as responsible drivers and are viewed in the same light as women drivers, for whom car insurance is generally cheaper. Senior drivers typically clock up less mileage than the younger driver, which is also seen as less of a risk by car insurance companies.
More Articles on Insurance for Seniors:
The article Life Insurance over 60 and 70 looks at where to find the best policies and save money for this age group.
Ever wondered if its necessary to get life insurance over 50? This question is answered in the article Life Insurance Cover for over 50's.
Tips on How to Save for Retirement looks at how to be financially comfortable during retirement.
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