When you pass the age of fifty, you might feel like your car insurance options dwindle. Not only do over 50 policies tend to seem limited, but they can also increase their premiums, making care insurance less affordable. Although finding the best insurance coverage for your vehicle seems overwhelming, there are plenty of insurance discounts to take advantage of — if you know where to look.
As well as the usual senior discount, there are also other ways to save money on your car insurance, including utilizing drive-tracking apps, opting for vehicles with state-of-the-art safety features, and even defensive driving courses. If you're looking for the most affordable senior car insurance on the market, we've researched for you. Here are the best options for senior drivers, including benefits, discounts, and advantages.
TOP 7 BEST CAR INSURANCE OPTIONS FOR SENIORS
If you are a veteran and over 50 years of age, USAA car insurance could be an excellent option for you. Not only do they offer some of the lowest insurance premiums, but they're also renowned for offering great customer service, speedy claims processing, and other perks like discounts. USAA insurance is available whether you're an active service member or retired.
Although one of the smaller car insurance providers, Amica car insurance offers excellent coverage for senior drivers. With great customer satisfaction ratings, Amica prides itself on offering customers a personalized approach. If you own your own home or pay your premiums in full, you can take advantage of discounts. Plus, if you complete a driver course via their SafetyServe program, you can secure an additional discount.
If you and your partner enjoy traveling, a State Farm auto insurance policy could be ideal. In fact you can get up to a 50% discount by taking part in their Drive Safe and Save program. Simply download their driving app and drive safely to save money on your policy. You can also earn a discount if you complete a defensive driving course — you can even do this online!
Allstate offers very generous car insurance discounts for senior drivers, including a "senior discount" for retired drivers over 55 years old. You may also qualify for this discount if you work part-time too. If you want further discounts, you can consider downloading their Drivewise app. The Drivewise app will help lower your premiums by being a safe driver. Plus, if you go six months or more without being involved in an accident, you could earn further discounts.
Farmers Insurance Group
If you need multiple policies, you could earn big discounts by combining them together under the Farmers Insurance Group. From vehicles and home insurance to business, and even life insurance. You can also earn discounts if you take part in defensive driving courses or pay your premiums in full. There are even discounts available if you enable auto payment for your premiums! Plus, if you're coming from another provider, you could also earn a discount — as long as there's no lapse in insurance coverage.
The Hartford AARP Program
The Hartford AARP Program is tailor-made for the over 50's and provides security to senior drivers that other car insurance policies don't. For example, Hartford AARP guarantees that they will not drop you from your policy unless you do not maintain a valid license or fail to pay your premiums. In addition, policyholders who complete a defensive driving course are also entitled to a 3% discount. The Hartford AARP Program can offer some of the best rates for over 50's because it's specially made for senior drivers.
Geico is one of the largest insurance companies in the U.S. and can offer low premiums for mature drivers and senior discounts. As well as senior discounts, Geico also offers multiple driver and multiple policy discounts, military discounts, and safe driver discounts. Plus, if you're willing to take a defensive driving course, there are discounts available for that too.
MORE WAYS YOU CAN SAVE MONEY ON YOUR CAR INSURANCE
There are many ways to save money on your car insurance. One of the easiest ways to save money on your premiums is to take a defensive driving course. Defensive driving courses help refresh your memory about the road rules and introduce you to any new changes or regulations drivers need to know about. Although these courses take only a few hours to complete, they could save you hundreds of dollars a year on your car insurance. In fact, you can even sign up for a defensive driving course online and complete it remotely.
Another way to save money on your car insurance is to combine some of your other insurance policies together. For instance, many insurance companies offer discounts on multi policies. To find out whether your current insurance company provides multiple policy discounts, simply search online. Many insurance companies offer their best rates online, so be sure to start looking today.