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7 Tips on Buying Auto Insurance for Seniors

7 Tips on Buying Auto Insurance for Seniors


Choosing auto insurance for seniors is different from that for younger drivers. Since seniors are a group of people that most likely to drive safely, typically the cost of auto insurance may be less costly. Here are some handful tips to help you get a little more room in your budget without sacrificing your financial security and choose affordable car insurance for senior people.

1. Look for mature driver discounts.

The first thing you may want to consider is to find out if this kind of discount is applicable to your insurance policy. Again, senior citizens are the safest and most responsible and defensive drivers on the road, so it is correct to offer discounted premium for them. Many insurance company such as 21st Century Insurance, offer mature drivers with special auto insurance rates. Based on different companies and plans, you may save up to 5% for your auto insurance.

2. Take a defensive driver course.

Some insurance companies provide special discounted prices if you complete state-approved defensive driving course. So you could contact your insurance agent to see if this kind of discount is applicable in your insurance plan.

3. Drive with caution and keep your driving record clean.

It is known that you can have a chance for insurance discount in a certain period of time if you keep on driving carefully and not involved into car accidents or having tickets. Yes, driving safely and having a claim-free insurance record help a lot in reducing the senior auto insurance rate.

4. Look at the value of your car and consider if the coverage is proper.

Some auto insurance company won’t pay for your repair costs if your car is not worth. If you are driving a “grandpa” car, you probably need to check out your car’s value and take a look at your coverage. Don’t over insure your vehicle by paying costly comprehensive collision premiums on a car that worth less than the amount of your annual insurance premium. In this case, simply choose liability coverage and pay damage costs for your car is a pretty smart choice.

5. Adjust your estimated mileage in time if you no longer drive to work.

Seniors may stay home and don’t need to drive to work when they retire. So if this is your case, you should inform your insurance agent immediately and ask them to make some changes for your adjusted mileage. Since you are not driving too much, there is good chance that your total cost may be decreased.

6. Take advantage of policy extras.

Some policy extras can apply in certain situations. For example, if senior people are renting cars, they should know there are optional policy coverage items in their auto insurance plan such as rental car coverage as well as roadside assistance. These extra policies can help avoid a lengthy walk on the highway when your rented car breaks down on the road.

7. Use a higher deductible to reduce your cost.

If you are a senior driver on a fixed or limited monthly income, you can choose a higher deductible for you auto insurance plan so you can save money for each month. Instead of choosing standard $100 deductible, you can consider deductible from $200 to $500. You can save a lot when you compare the money you pay for the increased deductible and your monthly insurance payments.

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