Getting discount car insurance is possible at any age – especially if you're older. And for people age 55 and older, auto insurance companies often provide an additional discount. Here are some things to think about if you are an older driver.
Because people over 55 tend to drive less and not as aggressively as younger drivers, car insurance companies will often provide a discount to seniors. If you're over 50 and not sure if you're getting this discount, contact your agent or insurance company.
What's more, if you are an older driver and have had your auto insurance policy for quite a few years it may be a good time to evaluate if you still need all the coverage you have. After all, you're driving habits have probably changed – especially if you're retired – and you may be able to save some money by eliminating coverage you no longer need. Or you may be able to afford a higher deductible, which will lower your costs.
Also, consider taking a defensive driving class as this could get you an additional discount on your premium.
Another way to make sure you're paying the lowest cost for your insurance is to get some comparison quotes. Car insurance rates can vary a lot from one company to the next, so it pays to spend some time shopping around periodically – especially if you've entered what is considered by insurance companies as a different age category.
One of the easiest ways to comparison shop is to go online. Try to get at least three different car insurance quotes. You can visit the Web sites of each different company, or save yourself some time and go to an insurance comparison Web site. There, you typically only enter your information once and you'll receive several follow-up quotes.