Senior Drivers - Car Insurance Tips That Save Money

Never get behind the wheel of a car without proper car insurance, especially if you are a senior driver. Make sure you or your senior family member takes advantage of these tips.

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Senior Drivers - Car Insurance Tips That Save Money
3 Min Read January 21st, 2021 Updated:May 31st, 2022

If you or a senior driver you know is still fit to be behind a vehicle's wheel, they shouldn't do so unless they have the right insurance coverage. Driver safety and insurance rates can change throughout the years, so paying extra attention to these car insurance tips is best for senior drivers to get the right deal and protection.  

Look for Senior Driving Courses  

Learning safe driving tips for seniors is vital to ensuring safe driving practices on the road. Many insurance companies offer safe driving courses where seniors can learn driving techniques they'll need on the road. Best of all, companies often provide an insurance discount upon course completion.  

If you are unsure of your driving skills or think your senior parent might have declining driving skills, getting an assessment is a good idea and provides everyone with greater peace of mind. 

AAA says driving assessments include driving skills evaluations and clinical driving assessments. A driving skill evaluation consists of an in-car evaluation of the driver's skills. Clinical driving assessments help identify the underlying medical causes of any declines in driving skills and possible ways to address them. The goal is always to make driving safe.

Check for Mileage Cap Discounts  

If you or the senior you know will not be driving very often, a mileage cap insurance plan may be the right choice. This type of plan offers a fixed rate if you or your loved one drives under a certain number of miles. 

Insurance companies give discounts to drivers that drive few miles since they are less risky. Some insurance companies will install a monitor to see the total number of miles a person drives and even how the person drives. 

Join Organizations  

Senior organizations are another simple way to get discounts on insurance coverage. For example, being an AARP member has many perks related to auto insurance companies.  

Drop Unnecessary Coverage  

Before committing to a policy, double-check all the coverage it offers. Many older drivers drive older vehicles. You may not need full comprehensive coverage on an older vehicle.

For example, for retired couples who own two vehicles, the need for the rental car reimbursement on an auto policy is less. Consider dropping it and save money. Your auto insurance agent can review your coverage and see areas to save money.

Drive a Safe Car  

Investing in a newer car as a senior driver might not sound like the most attractive option, but new technology does reduce liability. Certain technology, such as rear view cameras and collision avoidance systems, is an easy way to avoid crashes that result in claims and higher car insurance costs.  

The technology of newer cars can also help keep you out of an accident. A better driving record will also lower your auto insurance premiums. Good driver discounts can range from 15 to 40%.

Check Your Health

Be sure you check your health to be sure it is safe for driving. Do not forget to check hearing and vision regularly. Both hearing and vision start to decline after you reach age 50. You can have all the safety technology on a vehicle, but if you cannot see or hear, it will not help. 

Sometimes night vision becomes a problem. The simple solution is to avoid driving at night. If you think you have a problem with night driving - you probably do have a problem. Use a driving service like Uber or a taxi if you must get somewhere at night.

Don't forget to consider bundling your auto and home or renter's insurance policies. Many insurance companies will provide discounts if you insure both your home and your vehicle. 

The ability to drive is a fundamental right to freedom for some seniors. However, costly insurance rates can be discouraging. Follow these car insurance tips for senior drivers to get a low-cost rate that will keep you or your loved one on the road.

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About the Author

Mallory Knee is a freelance writer for multiple online publications where she can showcase her affinity for all things beauty and fashion. She particularly enjoys writing for communities of passionate women who come together for a shared interest and empower one another in the process. In her free time, you can find Mallory trying a fun new dinner recipe, practicing calligraphy, or hanging out with her family.

LTC News Contributor Mallory Knee

Mallory Knee

Contributor since September 25th, 2020

Editor's Note

Getting access to quality care options and reducing the stress on family remain the primary concerns about long-term health care other than the growing cost of care. The cost of care can reduce the quality and increase stress unless you are prepared.

Being prepared for future declining health, mobility problems, and dementia is easy if you do it sooner than later. For many people, affordable Long-Term Care Insurance has become a big part of their retirement plan.

Some people delay or ignore the problem. They either perceive the issue as not a big concern or think they can wait until they get older. Neither is true. The risk of needing long-term health care grows over time, and the costs can be devastating.

What surprises some people is how affordable Long-Term Care Insurance can be when appropriately designed and you select the right insurance company. Premiums can vary over 100% between insurance companies. Insurance companies must file their products and pricing with each state's insurance department so no individual agent, agency, or advisor can offer special deals.

Seeking help from a qualified specialist who works with the top companies will make the process much easier. Most people obtain coverage in their 50s.

You might have questions and LTC NEWS answers many of the most asked questions here - Frequently Asked Questions | LTC News.

Seek Professional Help Planning for Long-Term Care

Experts recommend seeking the help of a qualified and experienced Long-Term Care Insurance specialist to help you find the right coverage. A specialist will match your age, health, and family history with the right coverage at the right price. 

Long-term care is a very specialized area, and few insurance agents and financial advisors have the expertise. Find a specialist who represents the top companies as premiums can vary over 100% between insurance companies. Leading specialists will often have over 500 clients with Long-Term Care Insurance.

A specialist will save you money, and you will have peace of mind knowing they are making the appropriate recommendations - Work With a Specialist | LTC News.

Planning Tools and Resources Available on LTC NEWS

Planning for the future is never easy, but long-term health care planning can be very complicated and comes with many emotions. Getting the right tools and resources will make the process much easier.

One of the goals is to reduce the stress and anxiety usually placed on your family at the time of crisis. LTC NEWS can be beneficial in providing you with important information for you to consider.

LTC NEWS has put in place several resources, including:

Find all the resources on LTC NEWS - Resources for Long-Term Care Planning | LTC News.

Need Help Now for Mom or Dad?

If your family is already in crisis and you need to find help for mom or dad, LTC NEWS can help. We have put together several comprehensive guides to help you in your process.

Start by reading our four guides -  

If your loved one is lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting on using available Long-Term Care Insurance benefits is not a wise idea. 

Get Assistance in Filing a Long-Term Care Insurance Claim

Many insurance companies have issued Long-Term Care Insurance policies over the years. Filing a claim can sometimes be complicated unless you know what to do or get expert help and assistance. 

Don't allow the claim process to stop you from using the benefits available in an LTC policy. Quality care obtained early will help provide a better quality of life and reduce the risk of a deep decline and facility care. 

If you need help in starting the process of a Long-Term Care Insurance claim, LTC NEWS can help. LTC NEWS provides free assistance with no obligation to help you or a loved one complete the claims process with a Long-Term Care Insurance policy. We have teamed up with Amada Senior Care, who will do all the work - free with no obligation. 

Get help finding quality caregivers or long-term care facilities and get recommendations for a proper care plan, whether a person has a policy. - Filing a Long-Term Care Insurance Claim | LTC News

Advantages of Reverse Mortgages 

Today's reverse mortgages for those aged 62 and older could be an ideal resource to fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance. You might be eligible at younger ages as well. 

Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, and even help with cash flow during your retirement. 

Learn more by asking questions to an expert. Mike Banner, LTC NEWS columnist and host of the TV Show "62 Who Knew" will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages. 

- Just "Ask Mike." - Reverse Mortgages | LTC News.

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LTC NEWS is open to contributors to share their stories with the world. 

You can write a story or ongoing column for LTC NEWS. You can write about many topics, including aging, caregiving, health, lifestyle, retirement planning, and long-term care, to name a few.

Be sure to write for our core target audience of adults aged 40 and older. Our audience is worldwide; however, our primary target is the United States, Canada, the United Kingdom, Australia, and other English-speaking nations. 

Improve your website or blog's SEO and gain exposure and traffic at the same time by being a contributor to LTC NEWS. 

You can even promote yourself, your business, and your website or blog. However, it must have editorial content exclusive to LTC NEWS and not just an advertisement. It can include links to other sites, and you can share the article link once published on your website or social media.

Email your story idea or article: newsroom@ltcnews.com - LTC News Contributors | LTC News

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Use LTC NEWS to drive traffic to your website and help you attract people interested in your products and services. Plus, you can improve your website's SEO so more consumers can find you when they search for your products and services.

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Let's work together and help consumers who search for us on the web - Site Request | LTC News.

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Include LTC NEWS in your press release distribution. If your group, organization, business, political committee, etc., have news to share, send it to LTC NEWS. Email - newsroom@ltcnews.com  

 

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