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Why is Cheap Senior Citizen Car Insurance Important?
As the years go by, we start approaching the later chapters of our life. As a consequence, our needs and abilities for driving a car can drastically change. We find that we desire to drive less and less. We may not have the available budget to spend much on coverage. This is why getting cheap senior citizen car insurance is so important. With all of these factors in mind, it’s no wonder that it can be overwhelming for seniors to find the right kind of auto insurance at the right price.
Seniors Can Qualify for Discounted Rates
There’s good news for older drivers that need to save on car ins. Senior citizens are given many different discounts and advantages because most are careful motorists. Plus, many mainstream companies have made the insurance buying process a lot easier for older folk in general. Companies like the AARP have special rates for drivers over 60. These deals can save customers hundreds each year. Apply for a free quote and compare side by side senior auto insurance quotes online.
Rates Start to Increase at 65
After you turn 65, your auto insurance rates may start to increase every few years. As people enter their mid-60s, their reflexes slow down and this results in more accidents. Also, many older drivers start to slowly lose their vision. This contributes to increased rates of collisions. However, this doesn’t mean you can’t still get a good deal if you compare rates. So what’s the best way to get auto insurance for senior citizens?
Many older folks prefer talking on the phone, rather than getting online quotes. They might be compelled to pick up the phone and call an auto insurance agent, rather than trusting quotes from the internet. It wasn’t too long ago that this was the only method of getting auto insurance. It’s what seniors were used to. Many just don’t feel comfortable navigating a computer to find cheaper coverage.
Online Comparison Tools Help Seniors Save on Car Insurance
There’s such a big difference between the current online auto insurance market of today and what was available decades ago. The buying process has become much more rapid and convenient. Now, you don’t have to call and get one single quote at a time. You can get multiple quotes in a matter of minutes by using comparison search sites. Plus, you’ll be able to compare these quotes and see what kinds of deals you qualify for.
Even if you are not feeling too tech-savvy, applying for direct auto insurance is easier than you might think. All you need to do is enter some basic information and then compare prices. There are low cost plans online that you should take advantage of. The quotes all come from trusted national carriers. You’ll receive a custom quote for the coverage you need.
How Can Senior Citizens Save on Auto Insurance?
It’s easy to save on auto insurance. Seniors are just as likely, if not more so, to save money. By using the online marketplace to find the best coverage, you’ll find even more discounts. Not only will you qualify for senior-specific discounts, but you can also search for auto insurance companies that are specialized in insuring seniors. This includes companies like The Hartford and State Farm.
Tips for Cheaper Rates
1. Take a Driving Class
Most auto insurance companies by state are required to offer discounts to seniors. For example, in Massachusetts, you will receive a discount as soon as you turn 65. Other states may have other requirements, such as taking a driving class. If you think you’re up to snuff and you can prove your skills through a quick exam, you’ll get a state-based discount. You can go through AAA or possibly your local DMV to take this exam. Most classes only cost $20 and cover all of the basics.
2. Get a Cheaper Car
You are likely already aware of this simple tip. Most people know the more expensive the car, the more expensive it is to insure? Your rates can really go up or down depending on the vehicle you drive. So if you’re shopping around for a new car, as well as new insurance, keep this important tip in mind. Seek out insurance that matches the specific model of car you’re looking for. If it doesn’t cost too much to repair or replace the car, odds are the insurance will be rather cheap.
You can also get discounts for certain features that your car may come equipped with. For example, cars that come with airbags, anti-lock brakes, or energy-saving features are likely to knock your premiums down a bit.
3. Install Security Devices
Protecting your car is essential to scoring some major discounts with auto insurers. If you install an alarm or disabling product in your car, it reduces the risk of thieves stealing it. You can even install a tracking system like LoJack – but hope you’ll never need to use it.
Ask your insurance provider about the discounts you can receive from installing devices like this. Don’t worry about having to get super tech-savvy with your anti-theft investments. Something as simple as putting your VIN number on the windshield can even save you with some carriers.
4. Get Discounts for Driving Less
Are you retired? Have you recently decided that you need to drive less? If you’re not using your automobile nearly as much as you used to, it’s essential that you let your insurance company know. Driving less will heavily reduce your premiums. Since you don’t need your car to drive to work or school, you can say goodbye to the attached costs and risks of being a regular driver.
What is the Cheapest Car Insurance Company for Seniors?
It is reported that Alliance is the cheapest insurer for senior citizens. Their catchphrase, “15 minutes can save you 15% or more” really does ring true. The second largest auto insurer in the United States, Alliance provides some of the cheapest insurance rates for senior citizens. Depending on the state that you live in, Alliance’s rates can be hundreds of dollars cheaper than other companies. Other senior-friendly carriers are The Hartford, State Farm and Nationwide.
Comparing Auto Insurance Quotes for Seniors
So, how exactly do you find cheap senior citizen car insurance? The best place to start looking is on the web. Take some time to shop around on different sites and compare direct auto insurance plans. After getting quotes from a variety of providers, you can select the best carrier that you feel comfortable with. Remember, price is not everything. Some companies have excellent service and claim processing, which may be worth paying a little extra for. Apply now and get better coverage and lower prices.