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The Best Auto Insurance for Seniors

Chevy Cobalt

Are you a senior citizen looking for the best auto insurance? Have you been with the same auto insurance company for several years and not sure whether you are getting the best coverage for a low price? Maybe you are looking for lower rates for your parents. Here you will find tips on how to take the first steps in finding a lower rate for car insurance, and a review of the best auto insurance companies and their websites.

First, look for a driving refresher course for yourself or your senior parent, because these courses can lower your auto insurance rate. They may be listed as Senior Safe Driving Courses or Driver Safety Course, but these classes can also help you on the road.

Since seniors, in most cases, have had continuous coverage for several years, they can qualify for the continuous coverage discount. Even if you plan to stay with the same auto insurance company, you can also ask your current auto insurance company for a list of available discounts you can qualify for, like putting all of your insurance needs into one company and one bill. Putting your auto, home, and life insurance policies into one, can also save you time, and money.

If you have not filed any claims against your auto insurance companies, or have had very few claims in the several years you have been insured, you can receive a discount for being a safe driver. Even if you have the right age, the right car, having a large amount of insurance claims can hurt your monthly auto insurance payments.

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Some auto insurance companies also offer discounts for purchasing their auto insurance online. In some cases, seniors are not computer savvy and may need assistance, so I suggest asking a relative to help , visit your local library or visit your local senior care center.

Below you will find a review of my top three choices for auto insurance for seniors. By purchasing your premium and paying the full payment at once, you will also save money, instead of paying monthly.

Esurance

For standard coverage for a 55 year old senior couple driving a 2008 Chevy Cobalt, with no accidents in the past 3 to 5 years, minimum Ohio state coverage for liability, $100 deductibles for comprehension and collision, towing up to &75, and rental reimbursement of $30 per day up to $900, is about $65 per month or $400 for 6 months of auto insurance coverage. This estimate gives you a small look at what you would be paying through Esurance. They offer quick and easy payment options online at www.esurance.com, where you can download and print a copy of your auto insurance cards immediately after your payment is processed.

The General

The General auto insurance company offers low rates on almost every insurance policy they sell, which makes them one of my favorite auto insurance companies. For about $56 per month or $280 for 6 months, or $550 per year, a senior couple ages 55 will receive the Ohio state minimums for liability, $250 deductibles for comprehension and collision, rental reimbursement of $25 per day up to $750, and towing up to $75 for a 2008 Chevy Cobalt. The only downfall of The General auto insurance is that the lowest deductible for comprehension and collision is $250 each, and they pay lower amounts toward rental reimbursements. You can go to www.thegeneral.com to receive a free quote. If you choose their rates, you can purchase your policy online with a credit or debit card and download and print your insurance cards at home after your payment is processed in minutes.

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Progressive

Out of these three auto insurance companies, Progressive offers the lowest rate of auto insurance with the better package deals for a 55 year old senior driving a 2008 Chevy Cobalt. For about $47 per month or $255 for a 6 month premium, you will receive the highest liability coverage, $100 deductibles for comprehension and collision, rental car reimbursement of $50 per day up to $1500, roadside assistance that pays for the cost of service and or reimbursement, loan or lease payoff, and enrolls you into the Myrate plan that saves you 25% off your renewal. Progressive auto insurance is an excellent choice for seniors, simply because they offer ease and convenience. For auto insurance claims, you can call their 1-800 number, and an agent will come to you. You can get your free quote at www.progressive.com. Progressive also offers fast and convenience policy payments online, and you can download and print your auto insurance cards at home immediately after your payment has processed in minutes.