As seniors, finding affordable car insurance can be challenging. Luckily, AARP offers exclusive discounts for members that can help you save on your premiums. Here are 10 ways seniors can save on AARP car insurance rates:
- Take advantage of the AARP membership discount. AARP members can save up to 10% on their car insurance premiums.
- Bundle your policies. By combining your car insurance with other insurance policies, such as homeowners or renters insurance, you can save even more money.
- Drive safely. Maintaining a clean driving record can help lower your insurance premiums. Consider taking a defensive driving course to brush up on your skills and potentially qualify for a discount.
- Choose a higher deductible. By opting for a higher deductible, you can lower your monthly premiums. Just make sure you have enough savings set aside to cover the deductible in case of an accident.
- Drive less. If you're no longer commuting to work or driving long distances regularly, you may be eligible for a low-mileage discount. Be sure to inform your insurance provider of any changes in your driving habits.
- Install safety features. Adding safety features to your vehicle, such as anti-theft devices or a backup camera, can make you eligible for discounts on your insurance premiums.
- Review your coverage. Make sure you're not paying for coverage you don't need. For example, if you have an older vehicle, you may not need comprehensive coverage.
- Ask about discounts. In addition to the AARP discount, there may be other discounts available to seniors, such as a discount for completing a driver's safety course or for being a member of certain organizations.
- Shop around. Don't settle for the first quote you receive. Compare rates from multiple insurance providers to ensure you're getting the best deal.
- Consider usage-based insurance. Some insurance providers offer programs that base your premiums on your actual driving habits. If you're a safe driver, this could result in significant savings.