Finding Affordable Car Insurance for Older Drivers
Owning a car is one of those necessary large expenses that we just can’t avoid. On top of that, finding inexpensive car insurance, especially if you are a driver over the age of 50 can make your monthly budget even tighter.
You don’t have to take the rate hikes that come with getting older without a fight. There are ways to lower your auto insurance bill beyond a standard senior discount for those over the age of 65. Using a safe driving app which tracks your driving behavior, driving a car with advanced safety features and even taking defensive driving classes can all contribute to a lower bill and more money in your pocket at the end of the month.
Best Choices for Older Drivers
State Farm Auto Insurance frequently delivers very low rates for drivers 50 and up. California residents may be able to take advantage of their discount for mature drivers. If you are over the age of 55 and take a defensive driving course you are eligible to receive on average around $90 off your yearly auto insurance premiums through State Farm. Using the drive tracking app will get you the biggest discounts. The amount varies but you can save up to 50 percent on premiums just for driving safely and using their tracking app.
Another auto insurance provider that offers discounts if you take a defensive driving course is the Hartford AARP Program. This auto insurance company is designed for drivers over 50, offering competitive rates. You can save up to 3 percent on annual premiums just for completing the driving course. Another great advantage of the HArtford AARP Program is they won’t drop you from your policy due to your age like some providers will. Allstate is a senior friendly car insurance company that has many discounts available to drivers over the age of 50. If you are retired, semi-retired and over the age of 55 you can qualify for the Allstate senior discount.If you are comfortable with technology you might want to check out their drive tracking app. If you use the tracker and have no accidents for 6 months you can receive a discount. A defensive driving course will also lower your premiums with Allstate.
Amica is not as well known as some of the other big name auto insurance companies, but they are a credible company with affordable rates. They make it easy to save on your insurance with a defensive driving course. In fact, you can sign up for this online course through their website at a discounted price.
USAA has a full suite of financial products and services for those that have served in the military and their families. If you are a veteran, you can’t go wrong with the extremely low rates of USAA auto insurance. If you take advantage of their other insurance options and banking, you can easily manage all of your financial concerns in one place, plus receive discounts for bundling insurance.
Progressive doesn’t offer a direct senior discount however there are other ways to save if you are a driver over 50. Progressive offers discounts to AARP members and also other discounts for those that own a home or take a defensive driving course.
Geico is one of the leading car insurance companies in the nation. If you are a driver over the age of 50 you can still save some money with some of Geico’s available discounts. They offer discounts to retired government workers as well as retired military service men and women. Additional discounts can be yours if you pass a defensive driving course.