As a senior driver, you may already know a lot about auto insurance and the factors that influence its rates. However, what you may not know is that unlike in other types of insurance such as health insurance, becoming a senior can help you pay less for your auto insurance. I've put together some of the different types of discounts that seniors can benefit from.

There are many factors that play a role in determining your auto insurance rates, and age certainly is one of them. Drivers under 25 generally pay a lot more for auto insurance than adults who are 26 and up. As long as your medical driving requirements for having and keeping a driver's license are in order, being a senior can help you obtain lower car insurance premiums!

Many insurance companies offer discounts to seniors because they consider them to be safer drivers due to experience and maturity. Also, the fact of using a car for purposes other than commuting, and the lack of stress on the road make seniors more relaxed drivers.

Statistically, seniors do not engage in as many distracting activities as young drivers. Young drivers tend to use their phones more, speed, challenge other drivers and let their emotions overcome them while driving. Senior drivers have more practice on the road and may sometimes have better reflexes and driving habits. Also the fact of not using the car as much and not driving at peak hours can help you pay less for car insurance.

If you are a senior with a good driving record, you may be eligible for the following discounts:

55 & retired discounts

The name speaks for itself: if you're 55 years old or older and you are retired, you can ask your insurance company if you are eligible for this discount.

Senior memberships and courses

Being a member of a senior-specific organization has its benefits, like special insurance discounts. For example, members of AAPR (a non-profit organization helping people who are 50 and older) can take safe or defensive driving courses that can make them eligible for discounts in many states.

Even if you are not a member of any senior-specific organizations, you can still take senior-specific driving courses which will automatically make you eligible for auto insurance discounts in many states. Ask your auto insurance company to tell you which courses are state-approved, or enquire at your state's DMV.

Mileage discounts

You can also get a discount for driving less than a specific amount of miles over a specific time period. Each auto insurance company will have its own regulation, so make sure to ask yours if they offer any good mileage discounts to senior drivers.

Mature driver discounts

Some auto insurance companies offer discounts to drivers over a certain age. Just make sure to ask if you fall under that age group. This type of discount is generally offered to an age group that is considered low risk. Remember to ask your insurance provider if you can benefit from more than one discount simultaneously, as some insurance providers don't allow this.

There are also other ways to get auto insurance discounts regardless of your age. For example, if you have a spotless driving record you can be eligible for a good driver discount. You can also lower your insurance premiums by paying for your premiums annually instead of monthly.

Get discounts by shopping around

One of the most important things to make sure to do periodically is shop around. You may be paying more than you should by sticking to an old policy that doesn't offer any new benefits with the passage of time. Many insurance companies offer special discounts to new members, or may have better rates than your current insurance provider. It's a tedious job to search through hundreds of provider's websites to find the best deal - but we've thought of that so we've done the homework for you! Find the lowest auto insurance rates right here in a click. Or simply select your state in the box below to find the best car insurance in your area!

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