There are some factors which favour seniors, as far as auto insurance is concerned and some which don’t. However it is never really advisable to ignore auto insurance and therefore it is a better option to try and get a handsome discount on the auto insurance cost. Here are some of the ways in which seniors can save a few dollars from their monthly insurance premium, instead of doing away with the insurance all together.
Lower mileage discount
It is worthwhile to negotiate with the auto insurance sales agents to try and get a discount for the lower mileage in case of seniors who are less likely to commute every day. Signing up for “pay as you drive” schemes which are getting more and more popular off late is also a good idea. Although some consider it as intrusion, seniors wouldn’t really mind a device in the car that records driving patterns as they are less likely to be reckless while driving. This way, the insurance will cost lower as you only pay for what you drive and if you drive less your auto insurance cost goes down drastically.
Online insurance or direct insurance
These are two options for seniors who are looking to lower their auto insurance premium cost. Online insurance is always going to be cheaper than the insurance you will get at brick and mortar insurance offices. This is because their operating costs are low and there are no middlemen or sales agents involved. If you don’t exactly trust the online auto insurance companies then it isn’t a bad idea to go for direct insurance providers. Avoiding sales agents will reduce the cost due to the commission which you don’t have to pay anymore. However, you will have to be prepared for self service in both scenarios and wouldn’t really receive the kind of service that sales agents provide.
Driving courses
It is advisable to sign up in driving schools or even online driving courses that provide certification based on your knowledge of the driving conventions and best practices. These certifications will go a long way in getting you discounts from the insurance providers as you prove that you are a safer driver and hence likely to make claims. It will also help you avoid accidents and therefore keep your driving record clean. A clean driving record without any traffic violations always helps you get discounts on your monthly auto insurance premiums.
