3 Smart Tips for Senior Drivers to Reduce Auto Insurance Costs

As a senior driver, saving money on auto insurance while staying safe on the road is essential. Here are three smart tips to help reduce your premiums without compromising coverage. 

1. Take Advantage of Senior Discounts 

Many insurers offer discounts for senior drivers. Common discounts include: 

• Low Mileage: If you drive less in retirement, you may qualify for lower rates. 

• Mature Driver Courses: Completing a course on defensive driving can lead to discounts. 

2. Review and Adjust Your Coverage 

As your driving needs change, so should your coverage. Consider: 

• Dropping Unnecessary Coverage: For older vehicles, consider eliminating comprehensive or collision coverage. 

• Increasing Your Deductible: A higher deductible can lower your premium if you’re comfortable with out-of-pocket repairs. 

3. Drive Safely to Maintain a Clean Record 

Insurance providers reward safe drivers with lower premiums. To keep your record clean: 

• Avoid Distractions: Focus on the road to stay alert. 

• Follow Speed Limits: Avoid tickets by obeying traffic laws. 

• Stay Active and Healthy: Good physical health helps you drive safely. 

By utilizing discounts, adjusting coverage, and driving safely, you can lower your auto insurance costs while staying well-protected. 

Marlene Levengood, is an Account Manager at Knight Insurance Group, and has been an insurance industry veteran for over 35 years.