Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Older vehicles are still required to carry certain kinds of car insurance coverage
  • Drivers of older vehicles often qualify for little-known discounts
  • Older car drivers who comparison shop for their car insurance can identify appropriate and affordable policies

There are tens of millions of drivers on the highways of the U.S., and a good portion of them are operating older vehicles. While these cars may not always be pretty, they nevertheless require effective car insurance protection.

This article will delve into the subject of car insurance for used vehicles. Along the way, we’ll discuss information about the benefits of comparison shopping and enumerate the many discounts that are available for used car drivers.

If you want to go ahead and start comparison shopping for better auto insurance, enter your zip code above and compare three to four policies to find the best fit for you!

Mandatory Car Insurance Policies

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Even though some old cars aren’t in the best shape, these policies are mandated by law in the U.S.

  • Bodily Injury Liability – When another car is involved in a collision with the insured vehicle, this insurance coverage pays for the medical bills of the occupants. Considering the skyrocketing costs of medical care, bodily injury liability should be well-financed.
  • Personal Injury Protection (PIP) – If the insured vehicle is involved in a car accident, this car insurance policy pays for the medical bills of the passengers. Auto insurance comparison shoppers should be on the lookout for PIP policies that offer payments for lost wages and miscellaneous medical procedures.
  • Property Damage Liability – If the insured vehicle runs and damages personal or private property this insurance policy provision pays for any needed repairs or replacements.

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Optional Car Insurance Policies

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The next group of coverage items aren’t mandatory but may be wise to carry.

  • Comprehensive – When the insured vehicle is damaged by hailstorms, fire, vandalism, theft, or other unforeseen non-collision events, comprehensive coverage comes into play. People who live in environments that are subject to violent weather events would do well to consider obtaining this option.
  • Collision – If the insured vehicle runs into another car and is damaged in the process, collision coverage pays for any necessary repairs. While light damage may be overlooked by some drivers, collision coverage can come in handy when the insured vehicle sustains heavier damage.
  • Glass coverage – If the windshield or other windows in the insured vehicle are cracked, chipped, or otherwise damaged during vehicle operation, glass coverage provides for repair or replacement costs.
  • Underinsured motorist – There are many drivers on the roads who lack adequate auto insurance coverage. Accidents with such drivers can result in unpaid repair costs, but drivers who carry underinsured driver coverage are protected in such situations.
  • Uninsured driver – This coverage is closely related to the underinsured protection and provides yet another layer of protection against damage caused by irresponsible motorists.
  • Rental replacement – Older vehicles may be subject to unannounced and unexpected breakdowns. Drivers who carry rental coverage can keep on trucking while they arrange for replacement vehicles.

Discount Options for Used Car Drivers to Consider

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Even though drivers of used cars may not own expensive vehicles, they can still expect to save a lot of cash by using the services of car insurance comparison shopping websites.

These organizations do the hard work of gathering information about large numbers of car insurance providers, after which they publish their findings in one easily accessible database.

It’s easy to imagine how much time, money, and effort this saves car insurance shoppers. Ultimately, you may find that you qualify for discounts such as the following ones.

Safe Vehicle Discounts

Even though some used cars may be older than average, many may still include certain safety options that are recognized by auto insurance companies. Safety devices can include things like: 

  • Anti-lock brakes
  • Anti-theft systems
  • Airbags
  • Specially designed chassis

Used car owners who want to save would do well to explore this option as they comparison shop.

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Group Discounts

Drivers who are members of recognized groups frequently qualify for special group-related auto insurance discounts.

For example, many senior citizens are members of AARP and may receive significant discounts by way of their membership status.

Good Driver Discounts

Owners of older vehicles who have built good driving records are often rewarded by insurance companies with savings opportunities.

Driver Safety Education Discounts

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Drivers who have attended a driver safety and education course in the past may be eligible for discounts if the program is on a list of recognized driver education providers.

Drivers who haven’t attended such courses can save by taking part in one of these classes.

Low Mileage Discounts

Cars that are older but nevertheless have low miles may be eligible for special low mileage discounts.

— Bundling

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If a driver of an older vehicle has other types of insurance policies, they can often save by bundling these policies together with one insurance provider.

For example, a person who has homeowners insurance can frequently buy their car insurance from the same company and save money on both policies.

Student Discounts

Older vehicle drivers who are enrolled in a learning institution may be eligible for student discounts. As online education portals proliferate, it also gets easier to qualify for such opportunities.

Overall, many modern drivers get from place to place in older vehicles. Older vehicle drivers can always count on finding the best prices and options if they take a few minutes to visit a good auto insurance comparison shopping website.

Start comparison shopping today for better auto insurance rates by entering your ZIP code below!