How to Shop for Cheap Car Insurance for Seniors


Senior citizens may present a higher risk than other drivers, which will lead to higher car insurance rate. Most seniors, don’t feel like going through the trouble by switching the policy, so they just let the current insurance renew and renew without checking to see if they can get a cheaper car insurance from some other companies.

Here are some tips to help your car insurance shopping experience less stressful, and also save more money.

Before you go get a new quote, here are some things that you can prepare for getting a better rate:

1. Take a driver safety classes:It’s a refresher course to help senior driver update their knowledge since many rules have changed, and senior drivers also can tune up their driving skill as many new cars often handle differently.

2. If you are driving an older car, you can consider updating your car’s safety features accessories, like seat cushion, pedal extension, corrective mirrors.If you are consider buying a new car, choose a car that fits your physical need, like fully adjustable seats, rear-view mirrors, side air bags and light weight doors, you should also considering the alarm system feature, which will help to reduce your car insurance rate.

3. Prepare the health check record: some insurance company want to know the senior citizens physical condition.

How to shop:

1. Talk to your young family about car insurance, they will be your first source to understand some terms. Talk to a local agency, tell them what you need, They will give you some professional opinions and give you a personal quote.

2. Use internet: Internet is the best alternative for flipping the yellow pages, and look up different car insurance companies, and call them up one by one. The high speed internet can let you get quotes from different companies instantly, help you compare car insurance [] and find the best deal. If you prefer to talk to someone before you make a decision. You can also choose to have the agent call you on the phone to explain the quote for you. If you are not sure about your computer skills, one good way to keep up with those modern technology is to learn it at a local school or library. Many offer basic computer course for seniors. You can also have your families to help you to get quotes online.

The bottom line is not to feel it’s too much trouble to switch, if you follow this guideline, you will find it’s not too difficult to find a cheaper car insurance. You can save more of your money and enjoy your senior years.


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