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Car insurance quotes for older drivers

Old driver

Apart from the birthday card that arrives from the AARP on your fiftieth birthday, there are a range of different financial perks that become available to you simply because you're aging. So long as you're not shy about admitting your age, there are a range of different ways in which you can save money. Some of these relate directly to the car insurance market.

The good news

Some insurers automatically give older drivers a discount. Notice the "some". It's up to you to ask your current insurer what discounts they offer to older drivers and the age at which they kick in. Some insurers work on the basis that, if you don't ask, you don't get. That may not be very fair, but that's the way the car insurance quotes system works. Remember you also get a discount simply by joining an age-related organization like the AARP. It's worth spending a little time researching which memberships give you the biggest savings.

Defensive driving courses

Although you've been driving for several decades and adapting to changes as they happen, it's always a good idea to go through an upgrading course. Many insurers voluntarily offer a discount if you go through a course to learn about the detail of all the new traffic laws, and pick up ideas on how to drive more safely as your eyesight changes and your reflexes start to lose their edge. About two-thirds of all states mandate a discount.

The AARP and other organizations run both classroom and online courses that cost very little but bring in between 5 and 15% discounts spread over a three-year period. Before you book into any course, check with your insurer to see what courses they recommend. Sometimes the behind-the-wheel practical, one-to-one courses bring the biggest savings. It may be a little humiliating to have some whippersnapper watch you drive and offer suggestions but, if it's saving you money, it's worth it.

Modifying your vehicle

If your body is not quite working as well as it did when you were young, you can be assessed to see whether your current vehicle can be adapted or modified to make it easier to drive. This is a balancing act. Without the modification, the risk of an accident might increase and that would justify an increase in your annual premium rate. But not all the modifications are cheap. Talk to your insurer and get car insurance quotes from experts in vehicle modification for seniors. Even if you don't have your current vehicle modified, it's a good idea when it comes round to buying a replacement, to buy a make and model with a high safety rating from both the NHTSA and IIHS.

Lower mileage

Once retirement kicks in, you drive less and this justifies a discount. Sometimes, the best way to get the biggest saving is to opt for one of the pay-as-you-drive policies which fits a small device to your vehicle to monitor how far and how well it's driven.