How much is car insurance for seniors?

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In a nutshell...
  • Seniors are more likely to suffer health problems which impair driving skills
  • If you drop collision, your car will not be repaired if you cause an accident
  • Those with lower credit scores pay much higher prices for car insurance than those with good credit scores

If you are a senior citizen, you may have noticed that your car insurance premiums have been increasing over the last few years.

Your driving record has not changed, and you are still driving the same car, so why are your rates increasing?

There are several reasons why senior citizens pay more for car insurance than other groups. Other than adolescents, seniors are involved in more car accidents than any other group.

Unfortunately, even if you are a very good driver, your car insurance rates are figured on the age group to which you belong.

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Assess Your Own Driving Skills

If you are a senior driver, the first thing you should do is assess your own driving skills objectively. The best way to do this is to get an impartial person to ride with you and give you a critique of your skills.

It is often easier for others to see your mistakes than you yourself. A driving instructor or friend might perform this function for you.

Be open-minded; if the person tells you that your driving skills are not good enough to allow you to be on the road safely, take their advice and stop driving.

Your life is too important to risk it by continuing to drive if you are unable to do so.

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Consider a Defensive Driving Course

You can also take a defensive driving course specifically designed for senior citizens by the American Association of Retired Persons, or AARP.

AARP is an advocate for senior rights and has created a course to help senior stay safe on the road.

This course may also reduce your insurance costs if your company offers a discount for defensive driving courses.

Assuming that your driving is safe, there are other things you can do to reduce your insurance costs.

You can take advantages of good driver discounts, pay your bills on time, and pay in advance for your car insurance. These things all reduce your overall costs for car insurance.

How much do you use your car?

You can also assess the amount you drive your car, and take out insurance accordingly.

Many seniors find that they drive much less than they did when they were younger, due to the fact that they are no longer going to work every day or taking long car trips.

If your yearly mileage falls under a certain amount, you can use a low-mileage policy which will cost you significantly less than other types of policies.

Check with your State Insurance Department

Your state insurance commissioner has information available on car insurance for seniors.

The AARP also offers discounts with some companies on your car insurance.

You may also be a member of AAA, the American Automobile Association, and this group offers significantly lower prices on insurance than many companies.

Re-Evaluate your Coverage and Deductibles

If you have an older car, you may consider dropping your comprehensive coverage, your collision coverage, or both, especially if you do not drive during peak rush hours or park your car in places where it likely to be stolen.

Of course, if you drop comprehensive, you will not be covered if your car is stolen or if you have a non-accident-related claim, such as weather damage.

You can also raise your deductibles if you have the cash to pay the higher amount in case of a claim. Doubling your deductible from $500 to $1000 can reduce your premiums by a significant amount.

Check your Credit

Finally, check your credit history. Many seniors have very good credit, but sometimes inaccuracies occur on credit reports.

It is important to be aware of any inaccuracies which may be on your credit report since your credit score often directly affects your premium costs.

Finding affordable insurance as a senior citizen is not impossible, but it does require some research.

You can get quotes directly from agents by visiting their offices, or you can combine your search with an online search engine which will generate quotes from several companies at once.

Enter your zip code below to get FREE car insurance quotes today!

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