Are there car insurance discounts for Seniors?
If you are a senior driver and want to save money, there are a number of discounts available through your car insurance. Each insurance company may define the age of a senior differently but, in general, seniors are considered to be between 50 and 70 years of age. Not all car insurance companies offer discounts and not all of them offer the same ones.
Car insurance companies offer discounts to those drivers who are doing something to help prevent accidents and decrease the amount of damage, to both property and body. Seniors have many years of experience on the road so there tend to be many discounts available for those who are safe drivers.
Seniors and Defensive Driving Course Discount
One of the ways that senior drivers may be able to get a discount through their car insurance is by taking a defensive driving course. Although seniors have had years of experience on the road, some of the rules may have changed since they started driving.
Other factors may affect your driving, as you get older as well. Your eyesight may change, your sense of perception may be off, and your reaction time might be getting slower. Taking a class that will give you tips on how to drive safely under these circumstances may help you stay a safe driver.
These defensive driving courses cover things such as basic driving skills and rules of the road. They also often cover how to drive defensively, especially with physical limitations. The courses are often held in a classroom, although some may be taken online.
Usually an insurance company will approve certain courses that are certified by the state. If you have taken a safety driving class already, check with your insurance company to see if the class is an approved course for a discount. If you have not taken a class yet, check with your insurance company so that you take the correct course.
Seniors and the Safe Driving Record Discount
Whether you are an older driver or a younger one, if you have a safe driving record, most car insurance companies will give you a discount on your car insurance. A safe driving record means that your record is free from accident claims and traffic violations.
Seniors and Low Mileage Discounts
As you get older, you may find that you drive less. You may not have a job that you commute to on a daily basis or you may be taking public transportation. The less you drive, the less chance there will be of you getting into an accident. This saves the insurance company money, which they will pass on to you as a discount.
Safety Features for Senior Discounts
One of the ways senior drivers can save money is by taking advantage of safety features in their car. Sometimes seniors are not aware that certain safety equipment in their vehicles are eligible for a discount, especially if they are used to driving cars that are not equipped with them.
Check to see if your car has automatic seat restraints, air bags- especially side and front ones, or anti-lock brakes. If it does, let your agent know and you may be eligible for a safety equipment discount. If you are in the market for a new vehicle, look for one that has those features.
Seniors and Other Car Insurance Discounts
Discounts are one way that seniors can save money on their car insurance. If you are an older driver and are looking for other ways to save money on car insurance, there are a few ways you can do so.
Analyze the insurance policy that you have now. You may have gotten it years ago and you haven’t updated it. If you had originally picked the policy for a newer and more expensive car, you may be able to eliminate some of the coverage that you have.
With a new car, it is smart to choose car insurance coverage that is more comprehensive. You usually would like to have collision as well as comprehensive insurance, plus uninsured motorist and extras such as roadside assistance and rental car coverage. You may have had high limits as well, to cover all of the expenses in the event of an accident.
If you are now driving an older car and you have had a clean, safe driving record, you may choose to not have comprehensive or collision coverage on your vehicle. Since these are expensive types of coverage, you will be able to save a lot of money on your premiums by not having them anymore.
Another way you may be able to save money on your car insurance premium is by increasing your deductible. If you choose a higher deductible, your insurance premium will be lower.
How often you pay your premium will also usually affect how much you pay for insurance. Many insurance companies give discounts if you pay your premium all at once, such as once a year. If you can afford it, it will save you money and make it convenient with one less bill to pay each month.