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Senior Citizen Shopping, Discounts
Senior Citizens Can Find Discounts at Most Auto
Insurance Companies
There may be other discounts, too, for retirees, low
mileage, etc., starting as young as 50
By David Smidt,
SeniorDiscounts.com
 June
28, 2007 - Although it may not be automatic, most insurance companies
provide a mature drivers discount. Drivers entering their fifties should
see some decrease in their auto insurance rates.
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If you are opening a new account or switching
providers, the discount should be automatically provided in the quoted
rate. Most companies will ask for your age when applying for a quote in
person or online, but it never hurts to remind the agent that you may be
eligible for a mature driver discount.
If you currently have insurance, your auto
insurance agent should be reviewing your policy on a regular basis to
see if there are any discounts or other benefits that may be available
to you. It is doubtful that your insurance carrier will post this
information on its web site, so if you have not reviewed your policy in
some time, inquire with your current provider to see if they offer any
mature driver discounts.
Most of the major auto insurance agencies we
researched provide a 5% - 10% discount to drivers beginning at the ages of
50 or 55.
There are also many defensive driving courses now
available to mature drivers that could help reduce the amount you pay
for your insurance. These classes are available in most states and cost
between $10 and $30 for a two-day (eight hour) course. More than
two-thirds of states mandate auto insurance policy discounts for such
courses, and many insurance companies offer the discounts voluntarily.
Insurance companies will typically provide up to a
10% discount on car insurance for a three year period upon completion of
one of these courses, but check with your provider before you sign on.
The mature driving courses are available through
local and state agencies as well as AAA and AARP. You can also check
with your insurance agent to see what courses may be available to you or
visit the web site of the National Safety Council at
www.nsc.com.
Here are some other discounts that may be available
to you:
•
There are discounts available for retired
individuals. If you are retired and are not employed full time, you may
be eligible for a discount of up to 5% off your car insurance. Age
requirements for this type of discount vary by state and insurance
carrier.
•
You could also save on Personal Injury Protection
(PIP) coverage. Some companies will provide a discount if a minimum
amount of the driving mileage is by anyone over a specified age.
Be careful on the roads out there. The best way to
keep your rates down is to avoid citations and accidents.
>> SeniorDiscounts. The largest database of
discounts available to people 50 and older.
http://www.seniordiscounts.com
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