If you are looking for affordable auto insurance for seniors then there could be no better place than the internet to begin your search for companies which provide specialized car coverage to senior drivers. Typically, insurers categorize drivers’ seniority on the basis of their age. In most cases, those drivers that are above 55 years old could be tagged as senior drivers. With growing age, car coverage needs to change as a retired person won’t be driving a vehicle as frequently as he/she drove it when on job. As a result, the number of miles being driven throughout the year will be significantly reduced and so, the premium levels can be brought down.
But other than low mileage, you must know that insurers offer as many as 6 types of discounts on seniors’ car insurance. These are as mentioned below:
1. If you are retired or are approaching retirement soon then some insurers may provide you with a special premium discount. You only have to check out your eligibility to get benefited with such a type of a financial concession which can enable you to save precious money without compromising on coverage.
2. It is possible to qualify for an extra discount on premium if you have taken up a training course for learning defensive driving techniques when on road. Under Hartford AARP program, you can get up to 3% premium discount if you have successfully passed out a defensive driver’s training course.
3. You can obtain an additional discount on premium for seniors car insurance coverage if you maintain a clean driving slate. Insurers provide safe driver discounts to drivers that have driving records which are free of any accidents or traffic tickets. Clean driving history shows responsible driving behaviour and lower accident probability.
4. Some auto insurance companies provide car policies with vanishing deductibles. There is a new type of discount associated with such car covers that is in the form a credit point for each policy in future for drivers that don’t have any traffic violations or accidents on driving records during the coverage term.
5. Senior drivers, who have retired from government service or United States military services, may be provided a veteran discount on auto insurance for seniors car policy. Insurers such as the USAA are known for providing some of the best premium discounts to senior vehicle drivers that have retired from government or military services.
6. You can secure one more discount in the form of a multi-policy discount if you get car, home and life or health insurance from the same insurer. Bundling of policies enables getting a loyalty concession and besides, you might have to deal with only one company for all your insurance needs and requirements.
Carrying valid car insurance coverage by drivers is a prerequisite by national law and so, failure to comply with legal requirements can attract huge penalties and in the worst of situations, your driver’s license may be suspended. And in states like Florida, license suspension for insurance related offenses, one needs to note that even issuing of temporary or hardship driver licenses can be a problem. Hence, in any case, regardless of your age, it could be vital for you to make sure that you at least get legally required minimum or basic liability insurance coverage for third party bodily injuries and property damages as is prescribed by your state’s DMV.
It could be even better if you make sure that your senior’s car insurance policy has Personal Injury Protection (PIP) coverage and UI/Underinsured motorist coverage features over and above collision and comprehensive coverage features when your vehicle has some market worth left in it.
Atozinsuranceusa.com is in the business of educating drivers to learn the basics of securing cheap auto insurance covers online through a process that is easy, simple and absolutely free of any hassles. To know more about finding a low cost same day car insurance cover for senior drivers, contact us today!
