Over 50 Car Insurance

over 50 car insurance
While we can’t stay young forever, there are a few advantages to getting older, like those 10% meal discounts at restaurants like Denny’s. You might think that the only advantage to getting old is your AARP card and looking forward to a long retirement, free of the work grind. However, there are several financial benefits that await mature people, like cheaper vehicle coverage. It might be hard to believe that granny going 25 in a 50 zone is a safe driver, but the stats just don’t like. Older motorists avoid accidents like the plague. As a result, over 50 car insurance is much lower than rates for young drivers. Get your free quote today from good to go insurance and see how simple lowering your premiums by hundreds can be.

Why Older Drivers pay less for Coverage
To put it in the simplest terms, senior drivers are more careful and get in far fewer vehicular accidents. These fewer incidents mean less claims that are paid out by insurers and those savings get passed along via lower rates. Automobile insurance provides track huge amounts of “big data” on crashes and all of the circumstances surrounding these events, including of course the age of the drivers. From the age of 25, these statistics prove that vehicle accidents decline each year, until the age of about 72.

Some of the best insurance prices can be found for those consumers who recently retired but are still sharp and active; this is around 55 to 70 years of age. This motorist drives less and does not get exposed to crazy commute traffic, nor the late night weekend hours. Many car crashes involving alcohol and drugs often occur late at night and early in the morning. Most drivers over 50 are not out partying during these hours and thus, don’t get into these bad incidents nearly as often as youngsters under 25.

Another core reason why senior citizens get better rates is they are much more responsible. Have you ever seen a 65-year-old granny texting while driving?  Your grandma might not even know how to text but the point is all about responsibility. They take driving more seriously and obey more traffic laws. Apply for a custom auto plan with good to go insurance now and save more.

How much can Older Drivers Save?

If you are over 50 and need to get covered, you might wonder how much you can save. In general, if your driving record is clean, you can expect to save about 10% from most insurers, than those under fifty.   The good news is some carriers offer bigger discounts than others. Two of these that provide additional savings are AAA and AARP The Hartford seniors insurance.

Many consumers are pleasantly surprised after joining AAA that their insurance for seniors is super low. Some people can get excellent full coverage at 20% discounts from other providers. Not only does A-A-A have cheap rates but don’t forget their famous roadside assistance programs and even vacation packages. AARP the Hartford insurance is tailor made for drivers over 50. They have multiple insurance plans and several discounts almost anyone over fifty can qualify for. This large insurer has rates consistently 15% lower than competitors.

Discounts for Mature Drivers

There are many auto ins discounts mature drivers can take advantage of to save even more. Here are just a few of them.

  1. Good Driver

If you have a good driving record and have stayed accident-free, you can save even more. You should be able to get reduced rates of 10% to 15% from most insurers.

  1. Low Monthly Mileage Discount

You can qualify for additional discounts if you drive less than 1,000 miles per month or only on the weekends. If you have recently retired and have drastically curtailed your driving, make sure you get a new quote and lower your premiums as soon as possible.

  1. Certified Driving Class

It is never too late to learn, and this includes defensive-driving skills. You can get a small discount just by taking and completing a certified course. These interesting courses only cost around $40-$50, and it could just save your life.

  1. Buy a Policy Direct Online and Save

One of the easiest ways to save on vehicle insurance is to buy direct. Most insurers have discounts that can only be found on the web. Most online quotes are cheaper than going through an agent. Sites like good to go insurance will display up to 10 direct quotes and even help you find additional discounts you might qualify for.

Get on-line now and see how fast and easy saving hundreds on over 50 car insurance can be. Get quoted in 5 minutes or less and save more of your retirement money.