Auto Insurance for Senior Discounts? (car insurance, credit, safety)

[JoeDelray]

I have read about all types of senior discounts. My question is, which insurance company has the lowest rates if I took some of these courses?

Low mileage Discounts
Senior Driver Car Insurance Discounts
Defensive Driving Insurance Discounts
Florida Advanced Driver Improvement
FL Mature Driver Program
FL 8 Hour Intermediate Driver Improvement
Florida 12-Hour Advanced Driver Improvement
Senior Organization Membership Discounts (Like AARP)

[aridon]

Biggest component of your rate is:

Location
Credit
Age


If you are maxing those out you aren't paying much to begin with and AARP / Travlers / Progressive / Mercury are good companies to check. You won't save a ton, maybe $20 every 6 months for safety class. If you aren't maxing those credits out and arent in their top tier for rates then you may get a little more but no one is going to pay you to get insurance. Nor will most companies give you more than a class worth of credits regardless of how many you take.

Once you start hitting the max age, 70 to 85 depending on company you are going to pay to drive as your risk goes up exponentially the older you get.

[JoeDelray]

Originally Posted by aridon

Biggest component of your rate is:

Location
Credit
Age


If you are maxing those out you aren't paying much to begin with and AARP / Travlers / Progressive / Mercury are good companies to check. You won't save a ton, maybe $20 every 6 months for safety class. If you aren't maxing those credits out and arent in their top tier for rates then you may get a little more but no one is going to pay you to get insurance. Nor will most companies give you more than a class worth of credits regardless of how many you take.

Once you start hitting the max age, 70 to 85 depending on company you are going to pay to drive as your risk goes up exponentially the older you get.

Thanks for the bad news.

[Aaverso]

I would contact an insurance broker, not a company and see what they think. Typically they send your information to multiple companies and find the best rate and package for you. As aridon said, your rate can go up considerably as you get older because insurance companies see you as a greater risk.