What Is The Best Auto Insurance For Seniors - How we choose the best car insurance for seniors The best car insurance for seniors How is car insurance for seniors different? Final Thoughts
While car insurance is generally cheaper for people in their fifties, premiums tend to be higher as we age, especially for drivers in their eighties and older. Fortunately, some services offer comprehensive information for seniors without breaking the bank.
What Is The Best Auto Insurance For Seniors
Here you will find car insurance companies and policies to suit any lifestyle. Many of them also have special discounts and sales for seniors.
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Did you know: New to the ins and outs of car insurance? See our guide to car insurance for seniors.
The Hartford Insurance Program is available to AARP members only. The Hartford offers accident forgiveness for the first accident and special benefits such as lower deductibles for long-term customers. The Hartford also offers great resources on their website that explain complex auto insurance concepts in plain language so you can understand about your policy and how it works. Hartford's relationship with AARP connects policyholders with other discounts and senior-specific resources, so it's a perfect fit for existing AARP members.
The Hartford offers liability insurance, medical payments, uninsured motorist insurance and comprehensive coverage. The Hartford also offers RecoverCare, which covers you in the event of an accident for things like house cleaning, food preparation, other transportation and card value. The company is also a leader in traditional auto insurance and RV insurance, so it's great for seniors with many hobbies and lifestyles.
The Hartford offers discounts for vehicles with safety features and electric or hybrid vehicles. The Hartford also offers additional discounts to those who take defensive driving courses and those who park. Combine car insurance with home insurance.
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Hartford prices may be a little higher, but you get the most bang for your buck. The RecoverCare range includes home cleaning and lawn care for accident victims which is a unique benefit not offered by larger companies.
Pro Tip: If you're considering buying an AARP membership, be sure to read my guide: Is AARP worth it?
Allstate is a national insurance company that offers discounts for senior citizens over the age of 55. Although Allstate's prices may be higher than other companies, they have special plans, accident insurance and 24/7 roadside assistance. They also reward safe drivers with financial discounts.
Allstate offers comprehensive coverage, comprehensive coverage, medical coverage, roadside assistance and insurance policies. Allstate also offers ridesharing services to provide cheaper fares for those who drive for Uber or Lyft.
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Older adults who are retired or working part-time may qualify for discounts. Additionally, Allstate offers a 10 percent discount to seniors over 55 who complete a driver safety course. There are many common discounts included for people who own a new car, have multiple policies and meet the requirements of safe driving.
Allstate offers nationwide coverage and roadside assistance plans for all drivers. While monthly premiums can be expensive, they offer plenty of discounts and emergency waivers so you know you're covered if the worst happens.
Metromile is a unique insurance company that offers "pay-per-mile" plans, meaning policyholders pay based on how much they drive. As a result, Metromile is a very affordable option for occasional drivers. Users pay a monthly rate with a rate per mile of $0.60. Therefore, your rate changes each month based on how many miles you drive. For example, your rate will be high if you go on a road and low if you stick to your neighborhood. It's perfect for seniors who don't usually drive but still need insurance.
Metromile offers the standard liability, motor and medical coverage offered by standard car insurance. The only difference is how the expense is calculated; it changes each month based on how many miles you drive. Mileage is tracked via a mobile phone connected directly to your vehicle.
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Metromile does not offer senior discounts. However, the pricing structure favors older people. Studies show that older adults drive less than any other age group. Although there is no special senior discount, depending on your driving habits, Metromile can be cheaper than other discount companies.
Metromile is ideal for those who don't drive often but still need car insurance. However, it is not available in many states, and it can be expensive if you take a long trip or change your driving habits. Drivers also need to be tech savvy to know how to track mileage on their phones.
FYI: Most car insurance policies can be handled over the phone. To find the best for your needs, check out my list of the best phones for seniors and the best iPhones for seniors.
While USAA is only available to those who have served in the military (and their family members), they offer affordable insurance for people of all ages. USAA is good, broadcasts all over the country at cheap rates. USAA also offers flexible payment plans, so it's great for seniors on a budget.
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USAA offers basic and comprehensive auto insurance. USAA also offers shared liability and personal injury coverage for passengers. In particular, the company offers accident forgiveness so that the premiums do not increase for an emergency. USAA also offers homeowners insurance, airline insurance, renters insurance and more.
While USAA does not offer senior discounts, it does offer discounts for most policies and bundled insurance policies. Your car premium will go down if you also buy home or life insurance. Drivers can also get discounts for driving safely or completing a protective vehicle. Also, the longer you hold a USAA policy, the more discounts you get.
USAA is one of the top insurance companies in the country. Their rates are affordable, and drivers qualify for great discounts. The only downside to this insurance is that it is only for those who have served in the military or are related to someone who has served in the military.
State Farm offers national auto insurance and is known for its excellent customer service. Customers are assigned an agent in their area and can call that specific agent with questions. State Farm offers peace of mind that in the event of an emergency, you'll be able to talk to someone you know and trust, as opposed to a call center.
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State Farm offers collision and comprehensive insurance, and even offers free towing if your car is in the shop. They also offer carpool insurance for those who drive for Uber or Lyft. Their general coverage includes stolen vehicles or vehicles damaged by weather or fire.
Although there is no special discount for seniors, the State Farm does offer discounts for good driving, staying without an accident for three years and driving a safe vehicle. Prices also drop if you combine car insurance with other products such as home or renters insurance.
State Farm offers comprehensive information and excellent customer service. A local expert can help you get the most out of your car insurance. However, that service depends on the agent you are duplicating. Also, prices can vary significantly after the initial period.
Some companies charge older people more for car insurance because age-related illnesses can cause more problems. However, many companies offer lower rates because older people drive less. Rates are based on your personal vehicle, so older adults may get lower rates if their cars are clean.
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Many auto insurance companies also offer a class for "senior" drivers that can lower rates. If there are no accidents or tickets on your record, there is no reason to pay high monthly fees. If you have an accident, your premiums will be higher, and it may be time to consider ditching the car.
FYI: If you or a loved one is having trouble driving safely, check out my guide to the best transportation services: Signs It's Time to Stop Driving.
The complete motor policy system is at your disposal, providing complete information, low rates and nationwide advertising. Some offer discounts for seniors. Car insurance gives you the peace of mind and security you need to drive as much, or as little, as you want. Be sure to do your research before purchasing any policy.
Amie has been writing about senior care products and services for the past ten years. He is particularly interested in new technologies that help improve the quality of life for the elderly and their families. When he saw the age of his parents and grandparents, Amie asked himself, "Is this enough for my loved ones?" In her free time, Amie enjoys outdoor adventures and adventure travel. Learn more about Amie here
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Members receive information such as the best products for seniors and seniors delivered directly to their mailbox for free Many major insurance companies offer discounts for installing Home and auto insurance can help drivers save hundreds of dollars each year. Progress has the cheapest price to bundle your home and auto insurance at $1,308 per year, while Allstate offers the best discount for bundled auto and home insurance at 24%.
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