Today’s retirees have watched the dawn of the Internet age and all of the conveniences that have come with it. One of those conveniences – the ability to instantly request a car insurance quote – makes it easier than ever to begin the search for coverage.
If you are preparing to retire or are newly retired, now is a great time to review your car insurance policy. Continue reading to learn how your insurance rates can improve in retirement and how you can start the process requesting an online car insurance quote today.
Mature Driver Discounts
As drivers get older, they also develop more experience behind the wheel. Mature drivers ages 50-74 tend to have the lowest risk of accidents, and car insurance premiums often show it. As an experienced driver, you are more likely to respond well in risky situations and avoid dangerous hazards. Mature driver discounts are often provided automatically when you request an online car insurance quote, based on your age and driving history alone. Keep in mind that these benefits eventually begin to reverse — usually after age 75 to 80. Older drivers in this age group and above have an increased risk of collision.
Have Your Driving Habits Changed?
Going into retirement, you may notice a big change in your daily commute. If you are no longer frequenting your workplace, going out on sales calls, or driving to meet clients, your car is probably seeing few miles clocked on the odometer. The good news is your online car insurance quote results could benefit. Fewer miles equals lower risk of an accident; at least, that’s the way insurers tend to see things. Let your insurance agent know personally if you have cut down on your driving time. Though discounts vary from company to company, some insurers offer lower rates for drivers who stay under a certain mileage cap – usually between 7,500 and 15,000 miles.
Consider Refreshing Your Driver Skills
Even with decades behind the wheel of a car, there is always room for improvement. Talk with your agent about car insurance discounts for completing a defensive driving or driver improvement course. These classes not only provide skills refreshment, but they can also provide retirees with helpful information, such as knowledge about the ways that certain medications may affect driving.
Getting an Online Car Insurance Quote
When the time comes to request your online car insurance quote, you can spend hours creating individual quotes on each insurance company’s website, or you could have us do the work for you by requesting a quote.
By choosing an independent provider, such as Imes Insurance Associates, you get the convenience of an online quote request with the individualized service of a local agent. You can also compare quotes from multiple insurers at the same time.
For more information or to speak with a member of our team directly, contact our office today. We look forward to serving you soon.