6 Ways Older People Save Money Car Insurance

When you’re a senior, there are plenty of things to worry about. Retirement, your health, and your grandkids are probably at the top of your list. But one thing you shouldn’t have to worry about is whether or not you’re getting the best deal on your car insurance. Here are six ways seniors can save on their car insurance premiums.

Compare Rates

Just because you’ve been with the same company for years doesn’t mean you’re getting the best rate. Use an online tool like The Zebra to compare rates from different companies and make sure you’re getting the best bang for your buck.

Ask About Discounts

Most companies offer discounts for things like good driving records, being a homeowner, or taking a defensive driving course. If you don’t know what discounts are available to you, just ask! Your agent will be more than happy to go over them with you.

Raise Your Deductible

If you have collision and comprehensive coverage on your vehicle, raising your deductible can help lower your premium. Just make sure you have enough money saved up in case you do have to file a claim.

Drive Less

If you live in an urban area and don’t drive very often, see if your company offers a low-mileage discount. You may be surprised how much you can save just by driving a little less.

Look For A Pay-As-You-Go Plan

There are a few companies that now offer pay-as-you-go plans that charge you based on how much you actually drive. If you only use your car for occasional errands or short trips, this could be a great option for saving money on your premium.

Consider Dropping Collision And Comprehensive Coverage

If your vehicle is paid off and isn’t worth very much, you may want to ditch collision and comprehensive coverage altogether. This will lower your premium significantly, but it’s important to remember that if something happens to your car, you’ll be on the hook for the repairs (or replacement) yourself.


These are just a few ways seniors can save on their car insurance premiums. Be sure to shop around and compare rates from different companies before settling on one, and don’t forget to ask about discounts! By following these tips, you can rest assured knowing that you’re getting the best deal possible on your car insurance policy.

8 thoughts on “6 Ways Older People Save Money Car Insurance

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