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Over 50 Car Insurance

13 Oct

Automobile coverage is required of all drivers who get behind the wheel. The rates and coverage vary greatly depending on your age, location, and personal driving history. The people who are looking for over 50 car insurance will be pleasantly surprised to learn that they have reached one of the best driving groups for insurers, which translates into lower premiums. This article will discuss how an over 50 driver can get a low automobile liability insurance rate through the AARP.

AARP Automobile Insurance Discounts

One of the best places to find discount auto insurance for over 50 drivers is through the AARP. AARP stands for the American Association of Retired Persons. Fortunately, you don’t actually have to be retired to join. Anyone over 50 can join this association and enjoy the many insurance discounts they are able to negotiate. As one of the largest associations of people, the AARP is able to negotiate lower rates than the typical individual.

The Hartford offers premium vehicle insurance for older drivers through the AARP. As one of the largest insurers in the US, The Hartford is able to offer benefits beyond the typical senior’s auto insurance policy. Some of those key features are as follows:

Rate Protection for 12 Months

Many companies work on a 6 month cycle of insurance policies, which means that your rates can be raised each time that the policy renews. On the other hand, you can lock in your premium for 12 full months under The Hartford’s AARP insurance policy.

Full Replacement Coverage for New Cars

Most insurance companies will only pay for the depreciated value of a car if it has been totaled. The over 50 auto insurance for AARP members will cover your new car for the first fifteen months or 15,000 miles, and replace it with a vehicle of the same make, model, and upgrades.
Guaranteed Lifetime Renewal

You will not have to worry about having your insurance taken away from you in the future with The Hartford’s insurance policy, as it guarantees the option to renew for drivers over 50 who maintain their driver’s license, as well as physical and mental health. After the first 60 days of coverage a driver cannot be denied renewal as long as they have abided by the traffic laws and paid on time.

In addition to these features, there are state specific policy discounts for over 50 drivers from The Hartford. These deductions go into effect for people with a clean driver’s history of 5 years. By staying free from tickets and accidents, drivers over the age of 50 can drastically reduce their premiums.

Some of the automobile insurance policies through the AARP offer a collision deductible that reduces over time. Five years of a clean driving history will allow your cause your premium to lower by $150. Each year your driving record stays unblemished after that benefit begins will see you deductible lowered by an additional $50 with the possibility of your collision deductible eventually reaching $0.

If you are in an accident that is not deemed your fault, then you will not have to pay any deductible in most cases. With an AARP car insurance policy, The Hartford will pay both the covered damages as well as the deductible amount. This means that you will have no money to pay out of pocket.

Consider taking an AARP Driver Safety Course as this will give you a discount on your policy for up to three years. They can be taken in person, but computer savvy individuals can even take them over the internet from the comfort of their own home.

Basic Insurance Rate Reducers for any Age

Keep in mind that you should still follow the advice for reducing auto insurance premiums at any age. These include asking for a multi car discount as well as combining all of your insurance policies under the same company. By keeping your car, home, and life insurance policies together you can receive discounts on all of your insurance premiums.

In addition, shop for insurance every 6 to 12 months to see if a company will give you better rates and coverage. While the AARP has worked hard to get The Hartford to offer one of the best over fifty auto insurance policies, it never hurts to see what other companies would charge you for similar coverage. This way you can be certain of getting the lowest premium and know just how much you are saving.

Now that you know what The Hartford is offering through the AARP over 50 car insurance policy, it is important that you speak with a representative that can give you an exact quote based on your specific needs and information. Every driver’s policy is different due to their unique driving history, as well as each state having different rules, but there is a great chance that you can save some money on your auto insurance.