After dropping gradually as you get older, your cable car indemnity rates are likely to start crawling uphill in your 60s and 70s. That means it ’ s time to focus a fiddling arduous on getting the best car indemnity rates. But as a senior, you have some advantages that you didn ’ t have when you were younger. here are eight tips to save on car insurance for seniors.


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1. Take a driving class

In most states, car indemnity companies must offer discounts to seniors. In Massachusetts you get a dismiss fair for turning 65. In other states, though, you have to take a class to brush up on your driving skills to earn the discount. Some classes are offered in person, while many are offered on-line through such groups as AAA and AARP. Check with your submit indemnity department to see which ones are approved for getting the deduction. The classes are brassy — less than $ 20 in many cases — and they cover lots of anchor. You ’ ll learn about how ripening and medications affect driving, how to accommodate those changes safely and how to navigate park, but challenging, driving situations.

2. Choose a car that’s cheap to insure

car policy rates vary widely depending on the type of car you drive. The future meter you go car shop, get insurance quotes for the models you ’ ra considering. generally the cheapest cars to insure are those that don ’ triiodothyronine cost a lot to repair and replace, are driven by by and large safe, feel drivers, and are good at protecting drivers and passengers in crashes. Make certain you get all the discounts you can from your car ’ second features. many car insurance companies offer discounts for cars equipped with anti-lock brakes and air bags.

3. Protect your car

Besides helping you avoid a loss, anti-theft devices can score you discounts with many insurers. engineering that could save you money include alarms, disabling devices ( which don ’ thyroxine allow the car to start if person tries to steal it ), and fomite tracking systems such as OnStar or LoJack. Make certain to check with your insurance company to see which products qualify for an policy deduction, if that ’ s one of your reasons for buying a device. You don ’ t have to go high-tech to get a deduction. many indemnity companies besides offer discounts for etching the Vehicle Identification Number onto the windshield.

See what you could save on car insurance

well compare personalized rates to see how much switch car insurance could save you.

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4. Get credit for driving less

recently retired ? Let your insurance company know. Your premium should go down if you nobelium longer commute to a job every sidereal day. You might besides consider a pay-per-mile indemnity broadcast, which bases premiums in function on how much you drive. typically, you plug a device into your car ’ s diagnostic port and it records your mileage. Metromile, Allstate, Esurance, Nationwide and Mile Auto all offer per-mile indemnity in choice states.

5. Raise your deductible

If your policy has a low deductible, but you could afford to pay more in the consequence of a claim, you can reduce your premium by opting for a higher deductible. The deductible is the come your policy company subtracts from the cost of a collision or comprehensive claim ; it doesn ’ thymine apply to liability coverage. As an exercise, if car repairs cost $ 5,000 and your deductible is $ 1,000, the insurance company will pay $ 4,000.

6. Drop coverage you no longer need

Look closely at the details of your policy. If you don ’ deoxythymidine monophosphate commute to work anymore, you might not need coverage for a rental car when yours is in the shop class for repairs. If you owe little or nothing on your car loanword, gap indemnity international relations and security network ’ triiodothyronine necessary. And if your car international relations and security network ’ t a brand-new exemplary, think about whether it makes sense to drop collision and comprehensive insurance. This coverage will pay to repair or replace your fomite if it ’ sulfur damaged or stolen, but the maximum payout is typically limited to the current value of the car, less your deductible. Check what your cable car is deserving. If your car ’ s value is less than 10 times the extra premium you ’ ll give, it may be meter to drop this coverage.

7. Consider bundling your insurance policies

If retirement means relaxing in your boat on the lake or traveling the area in an RV, you may have opportunities to save by bundling policy. Companies often give discounts for buying multiple policies from the lapp insurance company. A typical pile combines car and dwelling policy, but some insurers besides offer price breaks for bundling a car policy with gravy boat, RV, motorcycle, renters or life policy.

8. Shop around for coverage

car insurance rates tend to creep up over meter, so it ’ s a good theme to shop annual for cable car indemnity. Compare multiple quotes to make surely you ’ re still getting the best pace potential. car indemnity premiums vary widely by party, express and region. If you ’ ve retired and moved to a new localization, the company that gave you the lowest prices in the past may not be the cheapest for you now. And as a senior, you may qualify for coverage that wasn ’ thymine an option before. The Hartford, for example, offers indemnity tailored to drivers 50 and older, in partnership with the AARP.

Getting quotes from multiple insurers is the only way to find your best rate. You can easily compare rates with NerdWallet ’ s cable car indemnity comparison cock. trope via iStock .

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