As we progress through life and get older in age, we are privileged to be able to look back at the many accomplishments we have made. With the growing number of our age comes the growing number of the price of many things that we need in life. Car insurance is a prime example. Those who are still in their fifties are not yet subject to the increases in car insurance prices. However, as you begin to progress into the sixties and beyond, making sure your vehicle is covered will become an expensive bill. The good news is that there are ways to keep the cost of your insurance policy down with one the top car insurance providers for seniors.
There are a number of top car insurance providers for seniors that extend discounted rates to senior drivers. These top car insurance providers for seniors also extend these discounted rates to drivers who have taken courses for defensive driving, use apps to track their driving and for drivers who have updated their car’s safety features. Some seniors are retired. If you are a retired and no longer use your personal car to transport to and from work each day, you may be eligible for additional discounts from top car insurance providers for seniors. Follow along in this article to learn about three of the top car insurance providers for seniors.
Top Car Insurance Providers for Seniors and What They Offer
1. Metromile Insurance
This plan is for individuals who are aware that they drive no more than 10,000 miles in their vehicle each year. With a Metromile insurance policy, drivers are charged a standard fee each month. This charge will only shift when you go over the agreed upon mileage for that month. Once you go over the mileage for the month, you are then charged a rate based on each mile that you travel over the agreed upon amount. You are not held responsible for logging your mileage. Instead, there is a device that comes with your policy that plugs in and tracks the mileage for you.
This plug-in tracker can also assist you with finding your car in a crowded parking lot. Additionally, it can record your gas mileage for each trip you take in your vehicle. All of the recorded information can be viewed through a designated app. This app has the ability to notify you of no parking zones and times to ensure that you are not ticketed for illegal parking. Metromile is available to residents of the states of Washington, Oregon, New Jersey, Virginia, California, Pennsylvania, Illinois and Arizona.
For drivers who have reached the age of 50, GEICO has a special renewal policy that is designed to benefit you. To qualify for the Prime Time contract, you have to have reached 50 years of age, the current policy that you have cannot include anyone below the age of 25, your driving record for the last three years must be clear of any accidents and violations. Along with this your car must not be driven for business. This top insurance provider for seniors offers many discounts for drivers over the age of 50.
If you are in your first accident where you are at-fault, GEICO has accident forgiveness. As a result of this, you can be relieved knowing that your policy bill will not increase.
3. The Hartford AARP Program
This program was created specifically for older individuals. This program promises to never drop your policy. After completing a course in defensive driving, you will be able to receive a discount of 3% on your policy.
The claims hotline is available 24 hours a day. The Hartford customer service line is constantly being given ratings that are significantly high. When you are in need of additional services to assist you with daily chores. RecoverCare will cover the costs that Medicare doesn’t. An AARP plan will allow you to purchase a policy that includes a vanishing deductible. This means that with each year that you are not in a car accident, your deductible will lower. AARP has many discounts. Boat, classic car and golf cart insurance are also offered under The Hartford Program.