Car Insurance for Seniors – How to Save Money on Premiums

Car insurance for seniors is definitely one type of coverage that individuals 50 years old and up won’t have a hard time getting. As long as you have a driver’s license, you will never have to worry about being denied auto insurance just because you are getting up there in years –only when you’re denied the license to drive for one reason or another can auto insurance companies also deny you coverage.

All senior citizens, especially those over the age of 70, have to accept the fact that accidents do occur as a result of deteriorating faculties. Often times vision problems, arthritis, or some other medical condition leads to driving mishaps that would never have happened when the individual was younger.

While it cannot be argued that we often see the elderly driving below the speed limit, statistics also point out that people over the age of 75 have the highest rate of daytime accidents as a group. Thus, the ease of being able to obtain car insurance for seniors should not be a reason for individuals to expect that other drivers will give them special road privileges on account of their age.

Cheap Car Insurance for Seniors

Aside from keeping them safe on the road, there’s also an equally important reason why aging baby boomers should practice safe driving skills and prove that they are still able to stay safe on the road — it provides them with the opportunity to pay cheaper premiums for their car insurance policy.

Saving money on auto insurance premiums really isn’t that difficult if you know what steps to take.

Discounted Car Insurance for Seniors – Tips and Advice

In order to save on your car insurance premiums, you have to first make certain that your doctor gives you the go-ahead signal to drive. Because they’ve been behind the wheel all their lives, most seniors often do not recognize or would rather not acknowledge that their driving abilities are already impaired due to sickness or disease. Conditions like arthritis, bursitis, neurologic disorders like dementia, vision problems, and even painful bunions and calluses on the feet can increase the likelihood of accidents on the road. By getting the go-ahead signal from your doctor, you avoid needless accidents.

How can avoiding accidents lessen the costs of car insurance for seniors? Take the AARP Auto Insurance Program from The Hartford: They have an Advantage Plus package that gives you two benefits in the form of First Accident Forgiveness and the Disappearing Deductible. Stay free of accidents and violations for five years and The Hartford will waive any premium increase associated with your first accident. The collision deductible will also be reduced by $150 and if you maintain your accident-free driving record, it will ultimately be reduced to zero (except for drivers in PA where it will only be reduced to the minimum of $100).

Moreover, if you remain capable of driving a vehicle, have your license, pay the premiums, and meet other conditions stipulated by the policy, you are also guaranteed lifetime renewability with AARP Auto Insurance. All your worries of losing auto insurance protection will be laid to rest.

Another way of getting discounts on the cost of your chosen car insurance for seniors policy is to attend a safe driving course intended specifically for older adults. An example of this is 55 ALIVE offered in local AARP chapters nationwide or the AARP Driver Safety Program. Courses like these explain special factors that will enhance driving safety for older persons. If you complete one of these driver safety courses, you’re eligible for an auto insurance discount for the next three years.

The safety features and the kind of vehicle you drive also determine additional discounts you can get with your seniors car insurance policy. On account of advanced age, senior drivers need to drive vehicles with lightweight doors that are easy to open and close, with a display panel that’s visible, fully adjustable seats, easy-to-use seatbelts, and an unobstructed view of the road. Safety features like airbags, antilock brakes and antitheft devices are also important to enhance safety and prevent theft. If you have all these features in your car, you may be eligible for further discounts when it comes to car insurance for seniors.

If you are a senior citizen, you are most likely living on fixed income and should consider even more ways to reduce the monthly cost of your auto insurance coverage. When buying a car, consider buying one that doesn’t get stolen as often and is not too expensive to repair. You can get data on what kinds of cars these are from the Highway Loss Data Institute. Companies offering car insurance for seniors are most likely going to give you lower quotes if you drive these kinds of vehicles.

However, if you’re content using your older model, you can consider dropping comprehensive or collision coverage on it. You can still choose to purchase these products just to protect yourself from the eventuality — this is just to tell you that you have this option unless your state legally requires these types of coverage. If you don’t drive much, ask the insurance company if they offer low-mileage discounts. Finally, you can also ask for other discounts that might apply to you before enrolling in any plan offering car insurance for seniors.

Senior Car Insurance – High Quality Affordable Coverage

For older adults, driving represents independence and a gauge of their quality of life. It gets them places, enables them to travel, allows them to shop for groceries, and visit family and friends. By ensuring that they are fit to drive, they are able to prove to themselves that they are still capable of living on their own and enjoy their twilight years.

Getting the best deals on car insurance will not only be beneficial in terms of giving you the best type of coverage, you’ll also be able to take advantage of huge savings by getting significant discounts through driver education classes, remaining accident-free, and getting your vehicle equipped with additional safety features. You don’t have to put up with expensive premiums such as those often associated with dental insurance for seniors or other types of coverage — there are plenty of ways to save on car insurance for seniors.