Auto insurance discounts for seniors Author:    Posted under: Auto InsuranceAuto Insurance Types


Once people get past the age of 60, they find that obtaining car insurance at more reasonable rates is almost next to impossible.  One would think that elderly drivers would deserve to get cheaper auto insurance. For one, they have more experience because most senior drivers are skillful drivers with good, clean driving backgrounds.

Even with a clean driving history, some of those in their advanced years find that insurance companies refuse to give them discounts on the general assumption that the physiological changes that come with old age will limit the driver’s ability to drive safely. Among these are delayed reaction times, restricted mobility, vision and hearing impairment and effects of medication.

While all these should be taken as warning signs that driving skills may be hampered, the elderly can easily go through medical examinations to prove that hearing, eyesight and reaction speed are normal. Additionally, if you’ve just renewed your driver’s license, you can use that when bargaining for cheaper car insurance.

Fortunately, aside from these there are other ways for the elderly to get discounts on car insurance premiums. One such example is a driver safety course or defensive driving courses.

Local American Association of Retired Persons (AARP) chapters offer the 55 ALIVE course for mature drivers. With proof of completion of 55 ALIVE or other safe driving courses, many insurance companies offer discounts to seniors.

Among other things, the driving course will also explain certain safety factors that seniors should be aware of, such as the design of the car. These considerations will ensure that seniors have freedom of movement and ability to better see the road while on the road:

  • Visibility of the display panel
  • Seats that are fully adjustable
  • Seatbelts that are easy to use
  • Lightweight doors that are easy to open and close
  • Unobstructed view of the road

Here are other ways you might be able to save on car insurance premiums:

  • Install safety devices in your car such as air bags, antilock brakes and other safety features.
  • Consider getting higher deductibles if you can afford them.
  • If you have an older car, you might want to drop your collision and/or comprehensive coverage.
  • Check group insurance and corporate discounts, such as members of the American Automobile Association (AAA) or the AARP are able to enjoy.
  • Apply for ‘good driver’ discount and ‘senior’ discount where available.
  • Retired individuals who don’t need to drive far to get to work, or often, may be able to get low mileage annual auto discounts.
  • Insure multiple entities with a single insurance company – such as more than one auto and your home.

As always, shopping around will enable you to find one insurance provider that will help you save money on coverage.

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