The auto insurance quotes table includes minor, periodic rate increases after an adult reaches the age of 55. As people age, reflexes become slower and eyesight is less accurate. Discounted auto insurance price quotes for seniors may be available or exposed through local senior outreach and senior advocacy programs.
Specially designed defensive driving courses for seniors often lead to discounted quick auto insurance quotes. A safe driving record is not an accident. Having a ticket and claim-free insurance record is one of the biggest unnamed discounts. If a senior citizen is living with another adult, seniors should look into whether or not a combined household policy will make multi-car discounts available by combining your policy. If a senior is no longer driving, then they no longer need to insure themselves, but need to insure only their vehicle for the person who will be driving them.
When you reach age 55, ask your agent about special discounts available for seniors. If there is a safety class discount available, call your local Department of Motor Vehicles for dates, times, and availability of safety classes. When you successfully complete the safety class, give the certificate of class completion while shopping for an online quick auto insurance quote. Your insurance provider will enter the certificate information into the system and you will see the decrease in your auto insurance price quotes.
Seniors also benefit from discounts for having safety equipment in their car. Many times, seniors are not aware of the newest safety features and may not report them to the insurance company. Many insurance companies offer seniors accident forgiveness, so the first accident does not affect insurance rates. The top discount for seniors may come from simply changing companies or shopping online for quick auto insurance quotes. The best rate last year is usually not the best rate this year. This is especially true for seniors. Auto insurance rates change often; it pays to shop around and see if you can get a better auto insurance rate.