As a person ages, their car insurance rates drop slightly. However, once they reach the age of 65, they take an uphill swing, once again. All of this means that it is imperative for anyone reaching their senior years to put time and effort into finding the best car insurance for people over 50 that is available today. The good news is, senior drivers do have a few advantages that weren’t available when they were younger. Some additional tips to help seniors save money on insurance can be found here.
When searching for the best auto insurance for seniors, remember, most companies have to offer discounts to the older population to remain competitive. In fact, there are a number of companies that offer a discount just for reaching the age of 65. However, there are other companies that require seniors to enroll in a class to improve their driving skills. Once they have successfully completed this driving class, they can receive a nice discount. There are some driving classes that can be taken in a classroom setting, while others are available online through organizations such as AARP and AAA.
In most cases, these classes are extremely affordable, too, costing less than $20. They also cover quite a bit of material. Seniors can learn about aging and driving and the way that certain medications may affect their ability to drive safely. They can also learn how to manage the challenges they are facing as they age and navigate common, yet difficult, driving conditions.
While auto insurance quotes in Oklahoma are going to vary slightly from one company to another, a great way to minimize costs is by driving a vehicle that is more affordable to insure. If you are planning on going car shopping in the near future, make sure to get a quote for auto insurance in Tulsa for each of the models that you are considering. In most cases, the cars that are going to be the most affordable to purchase insurance for are the ones that don’t cost a lot to repair or replace and that are usually driving by safe and experienced drivers.
Be sure that you get all the discounts that are available for the features of the vehicle you have chosen. There are a number of companies that provide discounts for features such as airbags and anti-lock brakes.
When you seek an auto insurance quote for over 50, there are several factors that may help reduce the price that you receive. One of these is to install some type of anti-theft device. Some of the technology options that may help you save money on your insurance costs include disabling devices, which don’t allow a vehicle to start up if someone is trying to steal it, alarms and tracking systems for the vehicle, such as LoJack or OnStar. Be sure to check with the insurer to determine what products will provide you with a discount, if that is one of the reasons you are purchasing the device.
Keep in mind, you don’t have to buy the most high-tech option to receive the discount. There are a number of insurance companies that are also going to offer discounts for just etching the VIN (vehicle identification number) onto the vehicle’s windshield.
Have you retired recently? If so, you should let your insurance company know about this. In most cases, your premium will be lower if you aren’t commuting to and from your job each day. You may also want to consider utilizing a usage-based insurance company. This bases the premiums you pay on how well and how much you are driving. For example, with one program, you plug a device into the vehicle’s diagnostic port and then it records how much time you actually drive, as well as any changes in your speed. You can save quite a bit of money for keeping the mileage low and driving during the safest hours of the day. According to statistics, the most costly and riskiest times for you to drive occur between the hours of midnight and four in the morning. You may also be able to save a bit of money if you minimize the amount of time you “hard” brake.
When it comes to getting insurance in your senior years, there are a number of things that may help you save money. The best advice for anyone, regardless of age or driving record, is to shop around for quotes before choosing one. By knowing all the available options, a person can reduce the costs of their coverage, while still having the full protection they want and need. With the information here, anyone over the age of 50 will be able to find the best insurance policy for their needs and save money in the process.