Car insurance rates have risen. With each release of more expensive cars, insurance rates can also increase. As you get older, you find ways to save a few dollars. This is especially true once you retire. Here are the top four tips for seniors to save on their car insurance.
1. Get a car that is cheap to insure.
A more expensive car does not necessarily mean a more expensive car insurance policy. Other factors like car safety features and car repair costs are also considered. Be sure to look around and check the different car insurance costs for the different models.
2. Take driving lessons.
When you turn 65 years old, most states offer discounts for car insurance. However, for some, you will need to attend a car safety class first to be eligible. Take full advantage of this by checking the accredited classes you can take. Some classes are offered online to make it more convenient. They include a wide range of topics that will be useful. Topics range from how medication affects driving to how aging affects your driving.
3. Protect your car.
Most car insurance companies offer additional discount if you take precautionary measures on your car. Installing an anti-theft device or a car tracking system are examples of this. Check with your insurer on what are the qualified equipment to avail of discounts.
4. Avoid high risk driving.
Some insurance companies offer discounts if you drive less. Inform them if you are recently retired and no longer drive to work everyday. Some companies even offer usage-based programs. Devices are installed in your car and will measure differences in speed, record hard stops, and more. The premiums you pay will be dependent on how often you drive, and also how well. Take note that the riskiest time to drive is from 12am to 4am. Avoiding this will help as well.
Find an agent to help you save on your seniors’ car insurance.
Car insurance premiums varied greatly between the different providers. Always make sure to look around and study the different offers they have. Look into the details to make sure you are choosing the best fit car insurance policy for you. Rates change as time passes so always be updated. As seen in the tips above, knowing what each insurer can offer will give you the information needed to choose. Be open and talk to your car insurance agent.
At Sameday Insurance Services Inc., we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (888) 750-9775 . Get your free quote today by CLICKING HERE.