Age is one of the main factors that determine car insurance premiums. For example, teen drivers are more accident prone, so they are more expensive to insure. In some cases, car insurance for seniors is less expensive, and there are ways to make it even cheaper. Let’s find out how.

Age And Driving Record Count

No matter what your age, your driving record goes a long way in determining your insurance rates. Mature drivers in their 50s and 60s, with safe driving records, are recognized as low risk by most insurance companies. On the other hand, for people over 75 years old, insurance rates can actually go up. Discounts might be offered, so it pays to ask your existing provider.

You also might find that a different company can offer you a better rate based on your age and driving record, so shop around.

Get a free online auto insurance quote from CARCHEX today.

Defensive Driver Course Rewards

State-approved defensive driver courses are another way to get car insurance discounts. The regulations vary between states, and insurance providers may or may not give discounts. Be sure to ask before you sign up for classes, but in any case, your driving safety will improve if you take a defensive driving course.

Low Mileage Discount

Many mature adults don’t rack up miles like they used to. There’s no running kids to school, and the daily commute to work might be a thing of the past. If you are driving less and can prove it, this might also benefit your auto insurance rates. Whenever you have your oil changed or a service check, the odometer reading is typically recorded. Present these data points to your insurer to see if you qualify for a low mileage insurance discount.

Join An Association

Sometimes membership in senior associations provides member with benefits, including car insurance discounts. For example, the AARP offers a wide range of insurance and service discounts to members. Contact them to see if auto insurance discounts are part of their membership benefits.

Think About Adding Medical Coverage

Even though you want to pay as little as possible, consider added medical coverage with your auto insurance plan. The reason is that if you are involved in an accident, your age might make injury recovery time longer. You don’t want to get stuck paying medical bills out of your pocket. Make sure to take into account all your benefits (pension, medical insurance, retirement funds, etc.) when deciding.

Shop Around

It never hurts to shop around for lower auto insurance rates. The worst they can say is “no deal,” but you might just find a lower rate with a new provider. Give us a call toll free at 1-877-CARCHEX (1-877-227-2439) to ask about how we can find you the lowest car insurance rates available for your age.

Or get a fast, free online auto insurance quote now at CARCHEX.com.

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Published in CARCHEX Auto Insurance Resources by CARCHEX on November 11, 2014