The Secret Senior Discount Your Auto Insurance Company Doesn't Want You to Know About
Revealing how you can save an average of $270 over three years on your auto insurance with a Mature Driver Online Course.
Most insurers start to raise premiums when you reach 55 or older. So, it’s critical to shop for car insurance quotes and grab every discount to which you're entitled.
You may be asking yourself: will my car insurance premiums automatically increase just because I join the ranks of "older" drivers? The answer is probably yes, but there are ways to save. For instance, California State Law requires auto insurance companies to give drivers 55 or older a discount on their premiums after they complete a mature driver course. But California is not alone. Thirty-three other states require discounts for mature driver safety courses (you can find a list here). The reality is you may be entitled to a senior discount and are paying far too much for car insurance.
Ask yourself: what if I have no accidents or tickets, will my premiums still rise? Probably, because insurance rates are partly determined by the entire group to which you belong, not just your own driving record. Data from the National Transportation and Safety Bureau and National Automotive Sampling System show that drivers 70 and older experience much higher rates of accidents and fatalities than younger drivers and that translates into more claims and higher rates.
“So how can I avoid car insurance rate hikes and get senior discounts on my premiums as I age?
Insurance companies have different policies regarding mature drivers, so it pays to shop around, but there’s one sure bet to keep your premiums low—tune-up your defensive driving through a DMV-approved online mature driver improvement course like the one from Mature Driver Tune-Up in California. These help you brush up on your driving skills simply by reading materials and watching videos in the comfort of your own home.
“How much can I save?”
According to the AARP, California drivers save an average of $90 a year for three years, for a total 3-year savings of $270.00 by simply taking an online mature driver course. You should contact your insurance agent and find out how much you will save prior to taking a course. The amount of your discount will depend upon your driving record, insurance company, and other factors. Insurance companies can refuse to give you a discount if you have a poor driving record.
“Why don’t insurance companies inform customers that these discounts are available?
The answer is obvious. These discounts cut into insurers’ profits, making them reluctant to promote this well-kept secret. But you should know: you stand to save a tremendous amount of money on auto insurance if you plan to drive for the next twenty or more years.
“What will I learn from a Mature Driver Course?”
Designed to tune-up your driving knowledge and skills, a mature driver course helps improve your confidence behind the wheel by bringing you up to date on the latest traffic laws and defensive driving techniques with videos, images and easy to read content.
“Where are courses taught?”
Courses are offered in traditional classrooms, or like Mature Driver Tune-Up’s online course, in the comfort of your own home using your computer or tablet. What’s nice about taking a course from home, is not only the convenience but the ability to start and stop the course anytime you want. You aren’t forced to sit in a classroom with strangers for eight hours and you can finish the course over days or even weeks.
“I wish I had contacted my insurance company years ago to find out how much an easy driver-safety course would save me. I got my official DMV certificate and saved nearly $100 per year.”
Remember: knowledge is power. If you are a good driver and have taken a DMV-approved mature driving course, then you stand to reap the rewards. All you need to do is:
Get smart: insurance discounts for mature driver training exist in most states
Ask your insurance agent if you are eligible for the discount
Shop for an easy online program that costs less than $20, requires no tests, has no timers, and is intuitive and easy to use
Once you obtain your DMV-approved certificate, send it to your insurance agent
Tell all your friends how you put an extra $90 per year in your pocket each year with minimal effort and cost.
There are other ways to save even more on auto insurance. Couples save even more if both people take a mature driver course. In states that don't require all licensed drivers in a household to have car insurance, you can exclude anyone (such as an older spouse or parent) who no longer drives in order to reduce your rates. You can also invest in a vehicle with safety features such as a rearview camera, lane drift, collision warning systems, and parking assist to prevent accidents and claims, which can minimize future premium increases. If you have vehicles that you use only part-time, look into cheaper "parked vehicle" coverage during the months you're not driving them.
The most sure-fire way to decrease your premiums and to tune-up your defensive driving ability is to take an affordable, online mature driver course like the one from
www.maturedrivertuneup.com. In this case, what you don’t know—and what the insurance companies aren’t telling you—can hurt your wallet, so get on your computer today to get going on your own mature driver tune-up.