Are you a senior citizen looking for the best auto insurance? Have you been with the same auto insurance company for several years and not sure whether you are getting the best coverage for a low price? Maybe you are looking for lower rates for your parents. Here you will find tips on how to take the first steps in finding a lower rate for car insurance, and a review of the best auto insurance companies and their websites.
First, look for a driving refresher course for yourself or your senior parent, because these courses can lower your auto insurance rate. They may be listed as Senior Safe Driving Courses or Driver Safety Course, but these classes can also encourage you on the road.
Since seniors, in most cases, have had continuous coverage for several years, they can qualify for the continuous coverage discount. Even if you thought to stay with the same auto insurance company, you can also ask your current auto insurance company for a list of available discounts you can qualify for, like putting all of your insurance needs into one company and one bill. Putting your auto, home, and life insurance policies into one, can also save you time, and money.
If you have not filed any claims against your auto insurance companies, or have had very few claims in the several years you have been insured, you can receive a discount for being a safe driver. Even if you have the apt age, the right car, having a large amount of insurance claims can hurt your monthly auto insurance payments.
Some auto insurance companies also offer discounts for purchasing their auto insurance online. In some cases, seniors are not computer savvy and may need assistance, so I suggest asking a relative to help, visit your local library or visit your local senior care center.
Below you will rep a review of my top three choices for auto insurance for seniors. By purchasing your premium and paying the full payment at once, you will also assign money, instead of paying monthly.
Esurance
For standard coverage for a 55 year old senior couple driving a 2008 Chevy Cobalt, with no accidents in the past 3 to 5 years, minimum Ohio location coverage for liability, $100 deductibles for comprehension and collision, towing up to &75, and rental reimbursement of $30 per day up to $900, is about $65 per month or $400 for 6 months of auto insurance coverage. This estimate gives you a small look at what you would be paying through Esurance. They offer quick and easy payment options online at www.esurance.com, where you can download and print a copy of your auto insurance cards immediately after your payment is processed.
The General
The General auto insurance company offers low rates on almost every insurance policy they sell, which makes them one of my popular auto insurance companies. For about $56 per month or $280 for 6 months, or $550 per year, a senior couple ages 55 will receive the Ohio state minimums for liability, $250 deductibles for comprehension and collision, rental reimbursement of $25 per day up to $750, and towing up to $75 for a 2008 Chevy Cobalt. The only downfall of The General auto insurance is that the lowest deductible for comprehension and collision is $250 each, and they pay lower amounts toward rental reimbursements. You can go to www.thegeneral.com to receive a free quote. If you choose their rates, you can retract your policy online with a credit or debit card and download and print your insurance cards at home after your payment is processed in minutes.
Progressive
Out of these three auto insurance companies, Progressive offers the lowest rate of auto insurance with the better package deals for a 55 year mature senior driving a 2008 Chevy Cobalt. For about $47 per month or $255 for a 6 month premium, you will receive the highest liability coverage, $100 deductibles for comprehension and collision, rental car reimbursement of $50 per day up to $1500, roadside assistance that pays for the cost of service and or reimbursement, loan or lease payoff, and enrolls you into the Myrate idea that saves you 25% off your renewal. Progressive auto insurance is an excellent choice for seniors, simply because they offer ease and convenience. For auto insurance claims, you can call their 1-800 number, and an agent will come to you. You can get your free quote at www.progressive.com. Progressive also offers fast and convenience policy payments online, and you can download and print your auto insurance cards at home immediately after your payment has processed in minutes.
Filed under Auto Insurance Companies by on Feb 17th, 2011. Comment. 
In America it is law that every person who drives an automobile must at all times have some sort of auto insurance. For the youth, ages 16 to 25, this can be a highly expensive matter due to many young people taking risks and aggressive driving tendencies. The controversy comes into play in regard to the gender factor of auto insurance for that age group. Legally, auto insurance companies in 43 states have the ability to discriminate between male and female in terms of charging them on auto insurance. Currently males between the ages of 16 to 25 generally pay about 6.8% more money for their insurance than females with an equal record regarding tickets and accidents. Some people say that the price is justified because of young male behavior but others argue that it is discriminatory and stereotypical.
There are many factors that serve the separation of male and female insurance prices for the younger age group. Male drivers based off of studies have proven to be more dangerous drivers and actually hold 77% more fatal car accidents. “As for men being more likely to die than women, McCartt and Fischbeck said men take more risks, speed more, drink and drive more.” (Borenstein 1) Statistically males cost insurance companies more so they will charge more money for their services. Also, if women were put on the same price chart as men, their prices would increase to match the 6.8% rather than male prices dropping. In reality this just causes more problems without ever fixing the original one. Also in favor of keeping the price incompatibility is Mark Dodd who claims that, “In the United States of America, principles which are not prohibited by laws are considered to be permitted. This makes charging bigger rates of auto insurance to men below 25 neither legally discriminatory nor illegal.” (1) In other words it should not be illegal to discriminate between gender for auto insurance due to that it is approved by law and only effects a narrow age and gender group.
On the other side of the debate many people are claiming that males are being discriminated against because they are forced by the government to capture auto insurance at a higher rate than females, simply for being male. Saying that all men drive recklessly is stereotypical and does not apply to every single 16 to 25 year old male. Statistically males from the years 1975 to 2003 were reported in declining by 11% in overall car accidents while women increased 14%. Krummer a director of personal lines-auto for the Property Casualty Insurers Association of America noted that, “We’re also seeing women driving more aggressively, picking up that bad habit from their male counterparts.” (Are Men Better Drivers than Women? 4)Women typically drive safer in comparison to the reckless driving habits of men; however, women make up for this with their increased cell phone employ and lack of confidence in some driving situations. Since the gap between male and female car accident numbers are beginning to get smaller; many are encouraging a change on the current system.
Despite the facts that men are typically more dangerous on the road, I find that the difference in price for males and females between the ages of 16 to 25 completely discriminatory. Personally, I have been driving for over two and a half years and have never received a ticket or been in an accident. In no design is it justified that I pay more than a woman even with my perfectly clean record. In comparison, racial discrimination in terms of auto insurance is illegal because people can not control what race they are. However, for some reason it is completely fine to charge more money for gender despite that it is also uncontrollable. In my belief auto insurance needs to be enforced on an individualistic basis rather than based off of stereotypes. It is an outrage that car insurance companies are allowed to continue with these discriminatory attitudes toward young males.
“Are Men Better Drivers than Women? “. AOL Money & Finance. 22 Feb 2007 .
Dodd, Mark. “Is A Higher Auto Insurance Rate For Men Twenty Five And Below Discrimination? .” SmartCarQuote.com. 22 Feb 2007 .Borenstein, Seth. “Study: Women better drivers than men.” DenverPost.com. 22 Feb 2007 .
Filed under Auto Insurance Companies by on Dec 15th, 2010. Comment.
