Hi there! Im 65 years old ad I would like to know how I can get discounted senior car insurance.

Gary

Detroit MI

Special rates are given to seniors by their auto insurance plans in order to meet their specific needs. Their auto insurance plans eliminate coverage options which are not applicable to a senior driver’s situation. By focusing on the needs and wants of mature drivers, the most discounted car insurance for seniors provides mature drivers a great deal.

Discounted car insurance for seniors caters customers who do not drive much and just need their car for shopping, religious activities and family gatherings. Senior auto insurance plans often restrict the number of miles a senior can drive in a year, much like a low-mileage discount.

I need to avail of each discount car insurance companies give. What are these discounts?

Enid

Indianapolis, IN

Availing of every discount car insurance companies offer to their clientele is surely a great of way of subtracting a large amount of money from what is actually needed to be paid in order to be insured. This is highly advisable instead of being insured cheaply without having the sufficient coverage to be full-proof.

So, without further ado, I present you the three basic types of discount car insurance companies give:

The first ones fall under the category of discounts that has something to do with the policies. Bundling, meaning insuring more than one vehicle or person and getting another kind of insurance policy like home insurance, will surely get you a lower price. Payments done through electronic funds transfer also makes you eligible to enjoy some discounts. If you also pay a higher deductible, your car insurance premium becomes lower.

Usually insurance premium discounts for drivers who successfully completed an approved Driver ed course will be given a minimum 5% discount to the base rate for Bodily Injury Liability, Property Damage Liability, Personal Injury Protection and Collision coverages.

The next category has got something to do with the vehicle. An older, low-maintenance vehicle which is not attractive to thieves and is loaded with lots of safety features is cheaper to insure.

And last but not the least is the category that has something to do with the driver. A clean driving record and an unstained credit history are very favorable to the car insurance industry. Good students, female drivers, those that have completed driving courses, and senior citizens are given discounts. Furthermore, if the driver does not use his or her vehicle very often, more discounts are available.

So, it is just in your hands to mix and match every discount car insurance companies offer depending on your personal profile.

With such financial crisis, I am looking forward to lowering my financial costs in auto insurance. What are the possible discounts available given by the insurance companies and how could I be eligible to get one?

Rose

Phoenix, AZ

Everyone looks forward to getting discount auto insurance, though not everyone is eligible to get one.

If you plan to insure two or more of your cars in the same company, then you get a chance to save and get discounts especially if you are just renewing it with the same company. Some states even require auto insurers to provide discounts for drivers who have “voluntarily” taken the defensive driving course and finished it. There are some cases that when you have been issued a traffic ticket, the court may order you to take the Defensive Driving program, and for this, you won’t be able to avail of an auto insurance discount if they were able to check that you only took the course because of a court order. Adding safety features (such as airbags, car alarms, automatic seatbelts and similar safety equipment) in your cars gives you great possibility to avail discounts. Factory-installed security devices usually qualifies you to a higher discount. Paying in full also qualifies you for a certain discount percentage and also saves you from extra finance charges. If ever you have a licensed daughter or son who plans to get his/her own insurance for his/her car, being a full-time student and having an average grade of “B” or even higher makes him/her eligible for discount. Being a good driver also counts, Rose, as different states offer discounts depending on how long you have been a safe driver on the road.

Make sure to ask your auto insurance agent if you meet the criteria for any of the given discounts that companies provide. Before making any commitment, make sure that you have been quoted right.

When I look for auto insurance policies, I notice that the cheap ones do not really have enough coverage. Now, what I am planning to do is to avail of every discount auto insurance companies offer in order to get cheaper premium. What are these discounts?

Rufus

Wichita, KS

You know, Rufus, I commend you because I could not have given you a much better way of cutting a very large amount from what you need to pay for auto insurance. I agree that most cheap auto insurance policies do not really have substantial coverage, and if you had purchased one, it would not really have been cheap in the long run. So, it is wise to take advantage of every discount auto insurance companies give out.

Auto insurance discounts are divided into three categories. Here they are:

The first ones are policy-related discounts. Under the policy discounts are discounts for having multiple policies, multiple vehicles and multiple drivers. We usually call this bundling. Payment discounts are also given by some companies for paying the full amount instead of monthly, as well as for paying via EFT (Electronic Funds Transfer). You can also save money by wisely choosing which auto insurance coverage to buy and buy having higher deductibles.

The next set is composed of vehicle-related discounts. Discounts may be given to you if your vehicle has lots of safety features. A safe vehicle translates to fewer medical bills in the event that the client gets into an accident. Furthermore, auto insurance companies also have ratings on every car model. This means that if your vehicle is high-maintenance or is attractive to thieves, expect to have higher auto insurance premiums.

The last category comprises of discounts related to the driver. There are available discounts depending on your personal profile, credit history, driving record, professional and non-professional affiliations.

Now, to fully maximize the discounts auto insurance companies make available, it would be better if you ask the auto insurance personnel with whom you are speaking with to walk you through the whole discount affair. It is their job to fully inform you, as well as it is your job to be fully informed.

I’ve had my car several years now and have never filed a claim against my policy. I don’t want to waste more money, so I’d like to know how to find discount auto insurance for my car. Thanks.

Stef

Aurora, CO

Kudos to you for being such a good driver! We need more of your kind out on the roads. You definitely need a reward for your patience and quick reflexes while driving. The good news is that auto insurance companies just love people like you! Safe drivers are sometimes referred to as preferred risk drivers by the auto insurance world, and these types are rewarded by the auto insurance companies through discount auto insurance.

You know you are eligible for discount auto insurance if the statements below describe you:

• If you are in your mid-twenties or older (life begins at 30?)
• If you haven’t been in any traffic violations or have not received any tickets in the recent past (two or three years, the longer the better)
• If you have a nice credit rating (they say people responsible with their credit are also most likely responsible drivers, plus they will most likely pay their bills on time)

If you just said yes to all three, go on and browse the net for discount auto insurance websites. These sites offer auto insurance that cost you less premiums but without doing damage to your auto insurance coverage. Going to discount auto insurance websites will not only save you money, you also save your time and effort by being provided with several discount auto insurance quotes all at the same time.

I really need to tighten my budget. How can I get discount auto insurance?

Tina

Charlotte, NC

There are certain prerequisites that a driver must have in order to obtain discount auto insurance. One of the surefire ways to qualify for a discount is to take a state-approved defensive driving course. These are readily available in some local schools or colleges. Completing such a course can usually get you an automatic discount on your auto insurance.

Another thing that can convince an auto insurance company to offer you a discount is safety features. Buying a car with airbags, anti-lock braking systems, anti-theft systems and other modern safety features can considerably lower your premiums. If the car you currently own does not have enough safety features, it might be worth your while to begin installing some of the new ones.

Another type of discount is the multi-policy discount. A driver can avail of this when she buys homeowners’ or renters’ insurance from the same company from which she bought her auto insurance.

Auto insurance companies rarely advertise their promos or discount packages. It is really up to the policyholder to be more assertive and inquire from her auto insurance agent what price cut offers are available and how to go about getting them.

Sometimes, discount auto insurance can be just another name for low cost auto insurance. Although these types of packages can be quite enticing for someone who needs to tighten her budget, you should be careful enough to check how much coverage is actually part of such discount auto insurance promos. Service bought cheap usually turns out to be cheap service, and consumers often discover this when it’s too late.

I’m from Louisiana. Ever since I put my teenage daughter under my policy, my car insurance premiums have gone up. Is there a discount auto insurance policy that my daughter might qualify for?

Jacob

New Orleans, LA

It is every parent’s concern to keep their children safe and protected from harm at all times. But with costs of basic products and services going up, it is hard to do this and not end up consuming a big chunk of the family’s budget. A parent ends up having to shelve out 50% or more for adding a daughter in the current car insurance policy. However, this is way cheaper than having to purchase a separate policy for her. Contact your local insurance agent there in Louisiana. There may be a number of discount auto insurance policies that your daughter can avail of.

Good student discounts are provided to teenagers who maintain a certain GPA. Teen drivers who have been attending school regularly and do not have any unexcused absences for 15 days are also eligible for lower rates. You may also want to enroll your daughter in a defensive driving course. Those who take this are given automatic discounts provided that they inform their agents about successful completion of the course. Agencies like the American Automobile Association (AAA) offer this at a minimal fee. You can also inquire from your community high school of college because some offer this too. If there are multiple cars in the policy, you can also seek approval of multiple-car discounts from your insurance provider.

Tags: auto insurance, auto insurance policy, Car insurance discounts, teen, teen insurance

Are senior citizens entitled to auto insurance discounts in the State of Nebraska?

Monica

Omaha, NE

Mature drivers ranging from 50 to 55 years old may be entitled to avail of auto insurance discounts in the State of Nebraska. According to surveys done by auto insurance companies, this narrow age bracket of mature drivers have demonstrated a greater amount of responsibility and conscientiousness as motorists and are involved in fewer traffic accidents compared to younger drivers. This means that this age group files claims significantly less frequently than other age groups. This provides auto insurance companies the allowance to offer them lower or competitive auto insurance rates.

Aside from this favorable finding, there is an active way for drivers in this age bracket to avail of discounts in their auto insurance rates. They can take defensive driving classes. More often than not most insurers apply the discounts to defensive driving course graduates automatically. In any case, it is still more prudent that they keep their auto insurance agent updated of this information to maximize the discounts they may be eligible for.

However, elderly drivers who are entering their 60s may see a dramatic increase in their auto insurance premiums. This age population of drivers seems to exhibit more involvement in car accidents. The dramatic increase in premiums for this age group is due to the fact that they file claims more often.

Tags: auto insurance claims, Car insurance discounts, car insurance rate, senior car insurance