If you are a senior driver, you have the advantage of experience on your side. This may allow you to qualify for a lower insurance rate than a less experienced driver.
The following four tips will help you find affordable car insurance for senior drivers:
- Get quotes from multiple companies. One of the best places to start when shopping for car insurance is by getting quotes from a variety of different companies. Typically applying for a quote is as simple as filling out a quick form on the Internet. Within just a few seconds of submitting the form, you should get a quote. Write down each of the quotes that you receive so that you can determine which company offers the best rate. Just be sure that each quote you receive is for the same level of coverage so that you can make an accurate comparison between companies.
- Ask about senior discounts. Many insurance companies offer extra discounts to senior drivers. In some cases these discounts may be automatically applied to your account. In other cases, however, you may have to specifically ask about them. Try contacting your insurance agent to see if there are any senior discounts that you qualify for that you may not currently be taking advantage of.
- Take a defensive driving class. Oftentimes insurance companies offer lower rates to drivers who complete a defensive driving refresher course. Usually these courses are quick and inexpensive to complete, but can wind up saving you a lot of money. Talk to your insurance agent to find out whether or not any courses are available in your local area that could help you get a lower rate.
- Update your driving profile. If you have recently retired and are no longer commuting to work, be sure that your insurance company knows that. By driving less frequently, your risk of accidents is significantly reduced. As a result, you may qualify for a lower rate.
Finding affordable car insurance for senior drivers is easy when you know where to look. There are a number of discounts and deals available that apply specifically to seniors. Talk to your insurance agent about ways that you could save money on your existing policy. If you have been with the same insurance company for years, you may also want to get quotes from other companies to see what all is out there. You may be surprised by how much you can save.
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