Auto insurance discounts for seniors usually take effect between the ages of 45 and 55, depending on the provider. Seniors can enjoy discounts such as a customer loyalty discount, discounts for drivers without accidents and more. Since the Hartford policy's AARP auto insurance package is primarily aimed at AARP holders, their vehicle insurance plans already have a reduced rate. Younger drivers and older drivers are considered to be at higher risk, so they tend to pay more for car insurance coverage.
You'll also get offers on auto insurance for seniors when you take classes from companies like AAA and AARP. To get premium auto insurance rates for veterans, drivers over 55 must take a protective driving course. Car insurance for seniors can also cover additional services, such as AARP membership, roadside assistance, rideshare credits, and domestic assistance, if illness occurs due to a car accident. Auto insurance discounts for seniors are available for completing defensive driving courses, multiple auto insurance policies, retired government workers, etc.
We've found that USAA, Geico, State Farm, Nationwide and Travelers are affordable options for auto insurance for seniors. In fact, Metromile not only has the A+ award from the Better Business Bureau, but it also has the BBB certification, an honor that many car insurance companies do not have. For retirees, car insurance is different, offering age-specific benefits starting at age 50, and insurance providers typically consider an older person's long driving record to be good and compensate for it with reduced premiums. Few large insurance companies offer discounts on auto insurance for seniors, but many offer a variety of ways for mature drivers to save money on coverage.
Thanks to an agreement with The Hartford, AARP offers auto insurance to its customers whose auto insurance plans have coverage comparable to that of the regular policies of most insurers. Seniors looking for car insurance must weigh a variety of considerations, such as rates, discounts and whether an insurer will offer a renewal guarantee. We took the data collected by Quadrant Information Services to find the average cost of car insurance with full coverage for drivers age 55 and older.