Senior citizens are categorized into the higher risk group as compared to the other drivers. This accounts for higher premium car insurance for senior citizens. Many insurance companies offer considerable discounts for senior citizens, but people remain unaware of the options available and continue with the existing auto insurance. It is always advisable to get your auto insurance policy reviewed by some authorized insurance agent, so as to ensure you have the best suitable auto insurance policy for your automobile.

Auto insurance for senior citizens is designed very carefully keeping their income opportunities in consideration. Almost all the auto insurance companies offer discounts of around 5%-10% beginning from the age group of 50 years or 55 years. There is another way also to reduce your auto insurance premium charges that is, defensive driving courses. The cost for this course is around $10-$30 for eight hours session, divided in two days. Most of the states offer this option which even helps in making the senior citizens better and vigilant drivers. Many insurance companies offer a discount of 10% for stipulated three years. But check before you sign the contract to make the things clear at the first go.



These driving courses are available through most popular senior citizen associations namely, AARP and AAA. Not only this, you must also ask for other discounts from the auto insurance companies like:

• 1. In case you are retired and are not employed full time, you are entitled to a discount of 5% of your automobile insurance.
• 2. You can avail discounts by opting out for low mileage policy. In case you know your driving is limited it is better to opt for such program. You can limit it to up to ten thousand miles in a year.
In case if after retirement you have moved to some quite rural setting, then you are entitled to auto insurance discounts for senior citizens. This is because in the rural areas the number of vehicles rare considerably less and better road conditions. This implies lesser chances of road accidents.
• 3. In case you have two or more cars, to enjoy the benefit of discounts get them insured from the same insurer. This would lead to a considerable saving on your amount of premium to be paid.

Be very careful before you by an auto insurance policy, its benefits should not exceed its cost factor.