Cheap Auto Insurance For Seniors

By Gerry Lalonde

The first thing you need to understand when discussion cheap auto insurance for seniors is what exactly constitutes being a senior in relation to insurance. Surprisingly we are not generally talking about people in their 70s or 80s, in fact, most insurance companies will recognize anyone over the age of 55 as a senior, and some even 50. So if you qualify as a "senior", don't be embarrassed, instead take advantage of it.

Now just qualifying on the basis of age will not generally lead to great discounts because all the other factors that go into establishing risk profiles and rates still exist. So, the fact that you've turned 55 won't count for much if you have a really poor driving record. If you've had speeding tickets every year for the past twenty-five years your rates are not going to be going down any time soon. However, the advantage of being over fifty-five years old is that you might just have a twenty-five year clean driving record and that will surely get you some significant discounts. Having a clean driving record and being over fifty-five allows you to claim a discount for both your age and your driving record, a double whammy of discounts.

Now what do you do if your driving record is not so clean. There are still ways to reduce your rates somewhat by taking some certified driving courses that are recognized by your insurance company. Check with your provider to see what might be available in your area and sign up as soon as you can. It will make you a better driver and could reduce your rates.

You should also take advantage of other discounts that are usually offered by insurance companies. For example, perhaps as you get on in years your need for driving reduces and you drive a lot less miles then when you use to have to commute to work every day. You can often get some low-use discounts if you can keep your mileage under certain limits.

Combine your insurances with one provider. If you already have property insurance, life insurance, personal liability insurance or health insurance you can usually get some discount by getting your car insurance from the same company.

Also remember to comparison shop online for your insurance and look for the best quote available. Look for companies that specialize in seniors. For example, Grey Power Insurance offers policies only to people over the age of fifty-five and claim to provide significant discounts. Look for similar companies in your area.

With a little bit of research and some online shopping seniors can avail themselves of some cheap auto insurance. So don't delay, get to work right now and find those senior discounts and save some money.

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