Tips to Help Seniors Cut the High Cost of Regular Auto Insurance

Once you have made it to the pinnacle of your life, there may be certain and specific perks which can help you stay interested in living active and productive twilight years. Seniors finally qualify for deeper discounts on the things like auto insurance which could make a big difference in their quality of life.

Making it all the way to senior status around here does have its perks and certain insurance discounts are only a small bit of the good stuff that is to be in store. When I mention twilight here I don't mean the dreamy attractive brooding vampires from the movies either. I mean those golden few years where you are supposed be able to rest easy and take your time getting somewhere instead of rushing around like a maniac all the time.

It is surprising to me having just turned fifty that I actually had to go and ask our insurance agent to give me any available senior discounts they offer. It is not like they do not know my age! In fact, they probably know more about me than most of my friends and family combined. So make a point of asking your agent to get you tuned in to every senior discount option they offer. If you are not satisfied with these results then contact other insurance agencies and start shopping around. Once you have the agents attention ask them to help you with the following things.

First see if they offer a pleasure driver rate as this can save a senior money on their insurance since they are typically not driving nearly as much as when they commuted to work every day of the week. This one change could save you ten to fifteen percent on your premiums.

Another item to consider is to ask if they can help set you up with an AARP or AAA safe driver course which once completed successfully they should be able to offer you another form of safe driver discount. It is common knowledge that folks between the ages of 50 and 70 are reportedly some of the safest drivers on the road.

Since you are officially a safer driver than most and to prove it you finished your safe driver course it may be time to raise your deductible so that your monthly premiums are lowered. This is worth the risk if you have a good driving record and can put away the deductible amount you may need ahead of time. Of course paying the deductible later negates some of the savings you accrued but that is always going to be the same risk no matter how much you pay per month.

One really fast way to save on your insurance cost is to pay your annual premium amount in full at the beginning of the term. This can net you a substantial cost reduction on your premiums if you can afford to drop the cash in one big lump payment.

Getting what the insurance business calls "Multi-Line" insurance is another great way for seniors to save on their insurance bills. What you need to do is find an insurance company that covers cars and homes and combine these policies. many of us have one for each and this is not cost effective.

You could downsize your sedan and go with something smaller that is less costly to insure and is perhaps gets even better fuel mileage saving you more money per year as well. If possible you could consider selling the car and going with public transportation or ride one of the newer motor scooters that are more like motorcycles than scooters. One is even a three wheeled unit that is really safe from a company called Piaggio.

All things considered seniors are wise to consult with a few different agents to see that they are getting the best deals possible since most of us will be on a fixed income at some point in our twilight years we may as well be frugal on things like our insurance premiums.