Many states require adult driver discounts for seniors who enroll and complete state-approved driving courses. AARP, AAA and the National Safety Council (NSC) are among the organizations that offer qualified classes. In addition, GEICO offers specific discounts for seniors. You could qualify for a discount for driving defensively or a five-year discount for driving without problems.
If you're over 50 years old, you can apply for guaranteed policy renewal so you don't have to worry about your insurer refusing to renew your policy as you age. Progressive's ongoing insurance discount is available to customers who have maintained active insurance coverage, with Progressive or another company, for at least 6 months without interruption. The exact amount of Progressive's ongoing insurance discount varies for each customer, depending on how long they have maintained the insurance without interruptions or cancellations, as well as other factors, such as where they live and their driving history. However, it's important to note that insurance rates may drop first when you turn 50 and 60, according to data from Progressive.
The company offers expanded transportation coverage and rent reimbursement insurance, which can be useful if your car needs repairs due to an accident and you need a rental car. Defensive driving is typically aimed at young and older drivers who may have higher car insurance premiums, but a defensive driving discount can be offered to people of all ages. The table below outlines how much you can expect to pay for car insurance as a senior driver, depending on age. One way seniors can save money on car insurance is by applying for the AARP auto insurance discount.
In some states, insurance companies are legally required to offer discounts on auto insurance to anyone who completes an approved defensive driving course. Progressive also offers a number of discounts that seniors can take advantage of, such as a multi-policy discount to combine their home and car insurance. For example, if you're starting with home insurance, you can add car insurance or any other policy later so you can qualify for Progressive's multi-policy discount. Progressive's ongoing insurance discount is available in most states, except New York and California.
State law requires California drivers to have at least a minimum amount of liability insurance for their car. Through its ongoing insurance discount program, Progressive offers an incentive to drivers who have been responsible and have maintained uninterrupted auto insurance coverage. The AARP Auto Insurance Program through The Hartford offers special discounts on auto insurance to seniors.