Top 4 Senior Tips for Senior Savings on

Auto Insurance

Older drivers often experience an increase in auto insurance premiums, primarily due to the fact that senior citizens are known to cause more accidents resulting in property damage and bodily injury.

However, there are a number of senior savings for auto insurance.

Drivers over the age of 65 can save money by taking advantage of the many discounts offered by various providers.

These include low mileage programs, safe driver discounts, discounts for safety devices, and membership in auto clubs.

#1. Driver Education For Seniors.Insurance companies will often raise

premiums for drivers over the age of 65. This is because senior citizens pose a slightly higher risk on the roadways.

Slower reaction times result in a lack of vehicle control, and fatalities are more common because older individuals are more physically frail.

To compensate, many senior drivers take an educational course and driving class. A number of approved courses are available that are specifically designed to help older drivers receive a break on car insurance premiums.

Approximately 15 percent of all drivers in the United States are 65 years of age or older, and the courses offered can help this large population become eligible for special senior car insurance discounts.

#2. Discount Programs Through Memberships.

Local AARP chapters are an example of membership programs offering discounts for older drivers. Eligibility requirements vary, but if a driver has few or no accidents, has filed no claims in the past five years, and drives a vehicle with a high safety rating from the IIHS, chances are a policy can be constructed that is quite affordable.

The 55ALIVE program is a course available through AARP or other memberships. This course involves teaching older drivers which cars are most suitable to the individual’s needs.

The amount of interior volume, dashboard layout, safety record of the vehicle, ability to adjust seat positions, and the location of blind spots is discussed.

Those who successfully complete this type of program may be eligible for a number of discounts from major insurance companies.

Senior citizens should also look into the possibility of obtaining affordable insurance coverage through their credit union or a civic organization of which they are a member.

#3. Low Mileage Insurance Programs.The majority of senior drivers are retired,

meaning they no longer commute to work each and every day. Many individuals over the age of 65 do not drive more than 500 miles per month, and this automatically qualifies them for a special discount through most insurance providers. It is important to ask an agent about this type of discount because many providers do not widely advertise it.

If a senior citizen no longer owns a vehicle, he or she may choose to purchase a part-time policy. These generally cost less and are similar to the policies offered to those owning a classic or antique car.

The insurance is only in force for limited circumstances, and usually costs less than adding a senior to another individual’s auto policy.

#4. Purchasing A New Vehicle.Senior citizens interested in buying a new

car will want to review the safety ratings very carefully.

Insurance companies will be more inclined to offer discounted rates for seniors who purchase a vehicle equipped with crumple zones, backup cameras, and a full complement of airbags.

Obtaining senior savings on auto insurance can make a big difference in the bottom line of older drivers. Of course, driving safely and keeping a clean driving record can also go a long way in keeping rates low.

If you are looking to save on auto insurance, enter your zip code below for free quotes from top brands in your state. Learn how to save on auto insurance for seniors here:

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