Affordable Car Insurance For Senior Citizens
Getting older, especially if you don’t have a big retirement fund, can be a strain on the budget. This is why you see many American seniors taking their social security checks and moving to Mexico, which is one of the few places where they can live on such small amounts of money. Needless to say, the senior population of the United States needs a break when it comes to car insurance premiums. By retiring age, they will just barely be passing out of the least risky group and heading into an age group that confers high risk.
This is why joining the Hartford AARP might be a good idea for seniors who need a cut on their San Jose CA car insurance. In fact, if you join Hartford AARP, you’ll get a pretty big cut–the organization for retired people claims that they can knock the price of your car insurance premium down by almost fifty percent. Can you pass that up? I wouldn’t be able to.
If you have more than one car insured with Hartford AARP, then you get up to a twenty five percent discount. And if you have more than one kind of insurance with them, then you can add on another ten percent to your total discount. Should you be a policy holder with the Hartford AARP company for five years or more, you will also get a five percent discount.
When you get your insurance with Hartford AARP, you can also know that you are secure. Many times you can have your insurance canceled by another company if you get into an accident, or if you get a speeding ticket. However, with Hartford AARP there are only three things you can do to get your policy canceled, and those things are:
- get a DUI conviction.
- lose your license.
- fail to pay.
This company has a long history helping retired people, in more ways than just in getting cheaper car insurance premiums, so I suggest that any senior who wants to save money give them a good think.
How To Get a Car Insurance Discount
Reader question:
I’ve only been driving for a couple of years, and I’m trying to figure out ways to get a good car insurance discount. Any ideas?
Rhonda
Sure, plenty, Rhonda.
Any young person who wants to get a car insurance policy must at first be completely daunted by the high price. For drivers under twenty five, the typical car insurance premium is twice as much as that for older drivers, and even higher if you’re male. Lucky for you, you don’t have that last hurdle, so it will be even easier to get your insurance premium lowered to an amount that you can stomach.
I expect that you only took your driver’s education course a few years ago. You might not have, as most states allow drivers to get their license without taking a class if they are eighteen or older. That’s what I did, and many people do it every year. If you fall into this category, then you should check out taking that driver’s education course anyway. You might have read the handbook that describes traffic laws in order to study for your driving test, but that isn’t quite the same. If you take a driver’s education course, even if you already know everything they are teaching, then you can save a few bucks on your car insurance premium.
There’s another course that you can take that would get you some savings on your insurance premium, and that is a defensive driving course. Most car insurance companies will offer you a five to fifteen percent discount for taking this kind of course, and you can learn a lot from it as well. These courses teach you plenty of necessary information on the rules of the road and avoiding accidents.
And you don’t have to be young to take a defensive driving class, either. Seniors can score even bigger savings on their insurance premium if they choose to take one of these courses in order to refresh their driving memory. In fact, Hartford AARP offers defensive driving classes for a cheap price, but you can get them in many other places.
It helps for more things than just a discount on your car insurance, too. Most young people get some kind of ticket for a moving violation before they turn twenty five, and usually if you take a defensive driving course then they will take the ticket off your record. If that happens, then you won’t see a raise in your insurance premium, and again, you’re saving money.
Cheers,
Fashun Guadarrama.
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