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 heed? 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 support 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 achieve 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 harm your monthly auto insurance payments.
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 plot 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 grievous rates on almost every insurance policy they sell, which makes them one of my common 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 region 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.
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 stale 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.
Filed under Auto Insurance Quotes by on Mar 14th, 2011. Comment. 
When I was in high school, back in the mid-80′s, my aunt drove my cousins and I to school in her Comet. It wasn’t a huge car, it had four doors, a brown body with a white top and all style baby.
I remember my cousins being embarrassed about riding in it. Me, I really didn’t care, since it was better than walking to school, especially on those wonderful humid days we tend to get here in Miami. This being the case, it wasn’t a surprise that when it came time for me to initiate community college my aunt gave me the car. She was going to give it to one of my cousins, but she refused to drive anything that didn’t just approach off the showroom floor. I was cheerful over this snub, since it meant I was getting a car! I was truly thrilled because this meant I had finally attained a certain amount of freedom. I could go to my classes at any time. I could go to the mall, to the movies, anywhere and not have to depend on anyone taking me or picking me up. It was great…until I actually had to drive it.
To begin with, the fuel gauge was broken. I never knew how much gas I had. At first I would just fill the tank whenever I thought I was getting low. But I stopped doing that after several instances in which I’d overflow the tank and gas spilled all over my shoes. From that point on, I would just fuel up every three or four days. It wasn’t too much of an imposition, especially since at the time five or ten dollars worth of gas got you a pretty long way. The car also didn’t have a working air conditioner, which was brutal since I was attending Summer classes. I looked forward to the Winter term thinking I wouldn’t have to worry about getting to school dripping with sweat. My excitement however was short lived. In the mornings once I began the winter term, I realized in order for the car to actually go anywhere, I needed to let it warm up for almost half an hour! I had to wake up, go outside in the freezing morning, (yes I know it’s Miami but for us fifty degrees is cold) turn on the car, hit the gas for a minute then let it stay running while I got myself ready for school. And of course since it had no air-conditioning that meant the heater didn’t work either. Sometimes it was colder in the car than it was outside!
After driving it for about two years it finally died on me. My dad and I went to drop it off at a junk yard, and can you acquire they wouldn’t buy it? Not even for parts! It would up unprejudiced sitting in our drive-way for several months, until one day I noticed it wasn’t there anymore. Turns out my cousin’s then boyfriend was asked by my aunt to “make it disappear.” The car was still registered in my aunts name, so she ultimately had to report it stolen. There was no insurance on it so she never received anything for it, just extra room in her drive-way.
I look help now and realize it was actually sort of fun to drive that car, when it worked properly. It wasn’t expeditiously, and whenever I’d hit the gas to speed up, it sounded like gun-shots coming at me from behind. It was rusty and there were several holes in the rear door. But it was a tank. I was once hit on the side by a Honda Prelude. The Prelude’s bumper was smashed inward, whereas my Comet drove away with a mere scratch, which my dad attempted to buff out. Why he even bothered I’ll never know.
Filed under Auto Insurance Quotes by on Feb 26th, 2011. Comment.
