Top 10 Car Insurance Discounts for Seniors

Discounts for seniors

1. Car insurance discounts for seniors may be available or exposed through local senior outreach and senior advocacy programs.

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2. Specially-designed defensive driving courses for seniors often lead to auto insurance discounts.

3. A safe driving record is not an accident. Having a ticket and claim-free insurance record is one of the biggest unnamed discounts.

4. If a senior citizen is living with another adult, seniors should look into whether or not a combined household policy will make multi-car discounts available by combining your policy.

5. Discount car insurance for senior citizens often is the result of the senior not driving as much as they once did and subsequently qualifying for low-mileage discounts. If you aren't driving to and from work, make sure you indicate that.

6. If a senior is no longer driving, then they no longer need to insure themselves, but need to insure only their vehicle for the person who will be driving them.

7. Many seniors drive the same paid off vehicle they have had for years. Seniors with cars that are paid off should make sure they are not over-insuring their vehicle, considering depreciation. Often you can remove the Physical Damage coverage.

8. Seniors also benefit from discounts for having safety equipment in their car. Many times, seniors are not aware of the newest safety features and may not report them to the insurance company.

9. Many insurance companies offer seniors accident forgiveness, so the first accident does not affect insurance rates.

10. The top discount for seniors may come from simply changing companies or shopping for car insurance. The best rate last year is usually not the best rate this year. This is especially true for seniors. Rates change often; it pays to shop around and see if you can get a better rate.