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Most seniors are not aware of the numerous financial benefits they can take advantage of such as low-cost car insurance rates. Older drivers are usually more careful and don’t have as many accidents. As a result, insurance rates for those over 50 years old are cheaper compared to the rates for younger motorists.

Why do senior citizens get cheaper rates?

In essence, seniors drive more carefully and they are seldom involved in car accidents. Since they are involved in fewer accidents, they collect fewer insurance claims which mean more savings for the insurance companies. As a result, the insurance companies pass the savings on to seniors via lower rates. Insurance companies track car accidents, their causes along with the age of the driver. Statistics indicate that from age 25, the occurrence of car accidents decreases gradually until around age 72.

There are competitive rates for those between 55 and 70 years old who are still in good health. Insuring these drivers are not as risky compared to their younger counterparts. Many accidents related to drugs and alcohol occur in the later hours and earlier hours of the day, which are time periods that seniors are not usually found on the road. Therefore, drivers over 50 years old are not often involved in serious accidents compared to drivers in the 25 years or younger age range.

Furthermore, insurance rates for seniors are cheaper because they tend to be more responsible drivers compared to younger drivers. You will not see a 70-year-old grandmother texting and driving, in all likelihood she probably doesn’t even know how to text. They are extremely careful drivers and they obey all traffic rules and regulations.

Discounts for Older Motorists

Are you over 50 and want to find out what your car insurance rates are? If you have a clean driving record, you can save as much as 10% from most insurance companies. Some insurance companies offer even bigger discounts and are among the cheapest carriers.

Discounts for Senior Drivers

Here are a number of vehicle insurance discounts that senior drivers can enjoy on their insurance rates.

1. Price Reduction When Purchasing Policy Directly Online

Purchasing car insurance online is one easy way to save on rates. Many insurance companies have discounts that are only available online. Getting quotes online is usually much cheaper than getting them from an agent. The company display as much as ten comparable insurance quotes and these sites will also help you uncover other discounts that you might be entitled to.

2. Good Driving Records

Seniors can save between 10% and 15% from most insurance firms if they maintain a clean and accident-free driving record.

3. Certified Driving Class


Regardless of your age, you can learn some new driving skills. When you complete a certified driving class, it qualifies you for a discount. The cost of these qualifying driving courses is only $40 to $50. Not only will you be saving money, you will also save your own life and the life of other road users.

4. Discount on Low Mileage

If you drive only on weekends or less than 1,000 miles per month, you are eligible to get more competitive rates. If you are a senior who doesn’t drive as much as before, be sure to ask your insurance company for a quote for reduced premiums.

See how much you can save on vehicle insurance if you are over 50 years old by applying for and getting a quote. You will get an answer in less than 5 minutes and you will not have to dip into your pension as much.
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Haris Khan Is A web Developer and Designer , He Also Loves To As Digital Marketer And Often Writes Article While Having Free Time

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