Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 13, 2020

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Key takeaways...

  • Accurate quotes require the most accurate information available
  • Every auto insurance company has its special rates, offers, and discounts, even for seniors or men and women above 55 years old
  • Good student discounts that older men and women going back to college might take advantage of if they provide proof of their grades

Car insurance is one of the unavoidable costs of owning a motor vehicle. Unfortunately for men and women above 55 years old who are becoming “senior citizens” the cost of car insurance can rise.

The reasoning behind higher insurance costs is the fact that as we get older, our eyes get worse and reaction times start slowing down.

Fortunately, it is possible to get a reasonable cost on car insurance, even for those above 55 years old. Finding the best over 55 auto insurance requires a little searching, but ultimately the savings add up.

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Table of Contents

Shop Around

Taking the time to comparison shop is one of the best ways to save money on car insurance. Men and women over 55 years old might consider it disloyal to leave their insurance company.

When looking for car insurance quotes, fill in the information with as much detail as possible for the most accurate quote. For example, fill in the type of car, the year, the vehicle model and even the type of engine.

Accurate quotes require the most accurate information available.

Ask about any car insurance discounts available for older citizens. Discounts for men and women over 55 might include:

  • An AARP discount for any member of AARP.
  • A 55 and retired discount that is designed for retirees.
  • Age 55 and claim are free discounts for anyone over 55 that has never gotten into an accident or made an insurance claim.

Every auto insurance company has its special rates, offers, and discounts, even for seniors or men and women above 55 years old.

Look for other discounts you qualify for. While some discounts are specific to older consumers, auto insurance companies might also offer discounts that are more general that include:

  • Good driver discounts, which are designed for drivers who have not gotten into an accident for a specific time period.
  • Good student discounts that older men and women going back to college might take advantage of if they provide proof of their grades.
  • Multiple vehicle discounts that companies might offer if you are insuring two or three cars under the same policy.

Take the time to look up the general discounts available and add in any that you are qualified to use.

Write down the company name and the price quoted from the company. Once the quote is obtained, keep track of which companies offered which prices and then look for the next.

Always include some local companies in your search. Big name companies are not the only ones who offer great deals on auto insurance.

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Saving Money Through Driver’s Courses

Some states offer senior’s driving courses for men and women over 55 years old.

These safety courses are not only a refresher on methods of minimizing accidents, but also might result in discounts on car insurance for anyone older than 55 years old.

States like Florida, Arizona, California, and Nevada, where the state has thriving retirement communities, often offer senior safe driving courses.

After taking the course, seniors can ask for an additional 10 percent off their car insurance. In some states, insurance companies are required to take off the 10 percent, such as those mentioned previously.

Other states that do not require the discount might still offer around 10 percent off for taking safety courses. One should check the minimum state car insurance requirements.

Coverage Considerations

When looking for a new car insurance company or the best competitive rate, always make sure the car insurance coverage is the same. Every company offers different coverage options, so take the time to find out what is available in the coverage.

Always ask about their minimum coverage, full coverage and any options in the middle.

If you have specific coverage needs, ask about the added costs to your basic plan to add any extras. Never assume that companies offer the same insurance options just because it titles it the same.

In general, the more coverage any vehicle requires, the higher your insurance costs become.

This holds true for any age group, including men and women over 55 years old.

Credit Score

While some states have banned car insurance companies from using a credit score as a method of determining premiums, it is not banned in every state.

When looking for new car insurance companies, check your credit score and ensure you do not have any mistakes on the credit report.

If the state allows the company to look at credit scores, having a high score will benefit anyone over 55 years old that has paid off most or all of their debts.

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Talking to Your Current Provider

Upon shopping around, adding in as many discounts as possible and taking the time to determine the competitive prices for auto insurance, talking to your current provider is often a good option.

Ask about any deals they might offer, such as above 55 discounts, and see how much you can save with the options provided by your current insurance company.

Companies are often willing to work with loyal customers and offer special discounts to keep them, so taking a moment to ask your current provider can sometimes provide better deals than you expect.

Finding the best car insurance companies for someone over 55 requires research, time and effort.

The time spent looking for the best insurance company in your area is worth it when you see savings of a few hundred dollars a year.

Take your time and enjoy the search. Enter your zip code bottom and compare car insurance companies for FREE!

References:

  1. https://www.travelers.com/
  2. https://www.aarp.org/benefits-discounts/
  3. https://www.statefarm.com/insurance/auto/discounts
  4. https://www.geico.com/information/states/az/
  5. https://www.esurance.com/insurance/car/states/nevada
  6. https://www.progressive.com/auto/insurance-coverages/
  7. https://www.nationwide.com/pennsylvania-auto-insurance.jsp