Older drivers often experience an increase in auto insurance premiums, primarily due to the fact that senior citizens are known to cause more accidents resulting in property damage and bodily injury.

1. Top 4 Senior Tips for
Senior Savings on
Auto Insurance

2. Older drivers often experience an
increase in auto insurance premiums,
primarily due to the fact that senior
citizens are known to cause more
accidents resulting in property damage
and bodily injury.
 However, there are a number of senior
savings for auto insurance.

3. Drivers over the age of 65 can save
money by taking advantage of the many
discounts offered by various providers.
These include low mileage programs,
safe driver discounts, discounts for safety
devices, and membership in auto clubs.

4. #1. Driver Education For Seniors.
Insurance companies will often raise
premiums for drivers over the age of 65.
This is because senior citizens pose a
slightly higher risk on the roadways.
Slower reaction times result in a lack of
vehicle control, and fatalities are more
common because older individuals are
more physically frail.

5. To compensate, many senior drivers take
an educational course and driving class.
A number of approved courses are
available that are specifically designed to
help older drivers receive a break on car
insurance premiums.
Approximately 15 percent of all drivers in
the United States are 65 years of age or
older, and the courses offered can help
this large population become eligible for
special senior car insurance discounts.

6. #2. Discount Programs Through
Memberships.
Local AARP chapters are an example of
membership programs offering discounts
for older drivers. Eligibility requirements
vary, but if a driver has few or no
accidents, has filed no claims in the past
five years, and drives a vehicle with a
high safety rating from the IIHS, chances
are a policy can be constructed that is
quite affordable.

7. The 55ALIVE program is a course
available through AARP or other
memberships. This course involves
teaching older drivers which cars are
most suitable to the individual’s needs.
The amount of interior volume,
dashboard layout, safety record of the
vehicle, ability to adjust seat positions,
and the location of blind spots is
discussed.

8. Those who successfully complete this
type of program may be eligible for a
number of discounts from major
insurance companies.
Senior citizens should also look into the
possibility of obtaining affordable
insurance coverage through their credit
union or a civic organization of which
they are a member.

9.  #3. Low Mileage Insurance Programs.
 The majority of senior drivers are retired,
meaning they no longer commute to work
each and every day. Many individuals over
the age of 65 do not drive more than 500
miles per month, and this automatically
qualifies them for a special discount
through most insurance providers. It is
important to ask an agent about this type
of discount because many providers do not
widely advertise it.

10. If a senior citizen no longer owns a
vehicle, he or she may choose to
purchase a part-time policy. These
generally cost less and are similar to the
policies offered to those owning a classic
or antique car.
The insurance is only in force for limited
circumstances, and usually costs less
than adding a senior to another
individual’s auto policy.

11. #4. Purchasing A New Vehicle.
Senior citizens interested in buying a new
car will want to review the safety ratings
very carefully.
Insurance companies will be more
inclined to offer discounted rates for
seniors who purchase a vehicle equipped
with crumple zones, backup cameras,
and a full complement of airbags.

12. Obtaining senior savings on auto
insurance can make a big difference in
the bottom line of older drivers. Of
course, driving safely and keeping a
clean driving record can also go a long
way in keeping rates low.
If you are looking to save on auto
insurance, enter your zip code below for
free quotes from top brands in your
state. Learn how to save on auto
insurance for seniors here:
 http://www.discountcarinsurancequotes.net