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Medicare is the federal health insurance program for seniors older than 65
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See if you qualify for an AARP discount.
Senior Discounts require us to do a little work. One of the best ways to gain a senior insurance discount is to join a group such as AARP or AAA. These groups give you access to affinity group discounts which typically lower insurance prices 5-10% depending on the state you live in and your insurance company.
Even if your driving habits remain the same and your record stays clean, the rate you pay for car insurance changes over time. Typically, insurance rates drop as drivers move into middle age, having acquired years of driving experience and loyalty discounts. Once you become a senior citizen, however, expect to pay more for car insurance.
Auto insurance for older drivers often costs more. Senior drivers as a group are more accident-prone than their middle-aged counterparts. The reasons for this include age-related changes in hearing or vision, slower reflexes, health conditions and medications.
In addition, regardless of accident severity, older drivers suffer graver injuries and more fatalities than younger people. This makes seniors more expensive to treat following an injury. These factors can increase insurers’ claim costs, and those costs are passed on.
Will your insurance premiums increase just because you join the ranks of “older” drivers? What if you have no accidents or tickets? That depends on your insurance company, but the answer is “probably.”
Insurance rates are partly determined by the entire group to which you belong, not just your own driving record.
SeniorsInssurance.Club data shows that older drivers do pay more than middle-aged drivers as a group–but not much more.
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