Auto Insurance Rates For Seniors

​In spite of the many years of safe driving and driving to back them up, insurers look at seniors as high-risk drivers, thus increasing their auto insurance rates. In reality, your rates will go up if you are over 65 years old. 

When it comes to buying auto insurance for seniors, consider several factors like renewal guarantee, discounts, and premiums. If you are a senior, you can still obtain affordable rates by finding an insurance company that offers reasonable quotes. Here are a few tips to keep your insurance costs low:

Take Courses About Safety And Accident Prevention
Call your insurance company and ask if they offer safe driving and accident prevention courses. If yes, signing up in these classes could give you a 10% savings on your premium. You may opt for an online course, which is a convenient and affordable option. 

Also, these classes give discounts usually to 55 years old and above. The exact amount depends on the school and your location. 

Change Driver Status
Generally speaking, the common age to retire is 65. Therefore, at this age, you are not driving every day to go to work.  The amount of miles you are supposed to drive every week is greatly reduced. In turn, you can save some money on your insurance rates.

When talking to your insurance agent, make sure to inform them that you do not commute for work, instead only drive for pleasure every now and then. When getting a quote, choose leisure and estimate the number of miles you will be driving during retirement.

Make Use Of Senior Discounts
Senior discounts are not only for restaurants, pharmacies, or movie tickets. Some auto insurance carriers give discounts to their policyholders after they reach 55. Check with your state if discounts in auto insurance for seniors are available and implemented.

If your insurance company offers you discounts, then combine all that you can get, as you could possibly obtain up to 25% less from your premiums. Your location and driver profile (traffic violations, accidents, and insurance claims) are a few factors that your insurer ill consider.

It is possible to obtain affordable auto insurance rates while you enjoy your senior years. Shop around, compare quotes, and find the best deal for you.

At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744. You can also request a free quote by CLICKING HERE.