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Finding the best fit auto insurance policy for seniors

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A lot of senior citizens would not bother about getting a new deal when it comes to auto insurance or for that matter anything else that they are spending on. It becomes a habit to rely on those people who have been serving you for all those years you spent working. It can be comforting to do so. But the fact remains that people change in companies while the company lives on. You might no longer be dealing with the same faces that you are used to. And besides, the auto insurance market has become so competitive that many companies are now actively vying for the senior citizen market.

Getting quotes is now a very easy procedure. All you need to do is fill out your information on the internet and wait for the call. You can get these quotes for free from any number of companies and after getting them; you can take a call as to which one you would like to settle up on. If you are on a fixed income due to your reliance on your retirement benefits, its best to look up other options that give you a better deal. You can end up saving hundreds of dollars every year, given the fact that monthly insurance costs can easily add up to at least $200 or more.

The following is a limited list of insurance companies that provide insurance to senior citizens. And many of these companies have robust marketing programs that will directly contact the customer base, so you most probably got a call from one of these people.

AARP is an organization that provides for the needs of people over the age of 50. They offer insurance through the Hartford insurance company. It’s better to go for such organizations as they are advocacy groups rather than for profit companies. The AARP also offers online courses and local courses for the mature drivers advanced driving course.

All state is another popular insurance company. You can get quotes through the internet or through local agents who can in fact give you a better deal as they will be dealing with their own quota.

Farmer’s auto insurance provides better discounts for senior citizens and the agents can help you review and identify potential gaps in the policy before you settle for one.

It has been found that almost all auto insurance companies provide around five to ten percent discount to drivers from the age of 55 or 50. But the fact is that the premium rates will be increased before the discount is applied because drivers over the age of 75 are the most prone to fatal auto accidents. Driving safely and responsibly is the best way to keep auto rates down and also to keep your family safe. Try getting a safer car as this will reduce your premiums and increase your chances of survival during an accident. Growing old is not an excuse for unsafe driving or being belligerent.