As seniors look for ways to save money on their auto insurance, they may wonder which companies offer the best deals without sacrificing reliable coverage. Fortunately, there are several car insurance providers that offer special discounts, policy features, and coverages geared towards older drivers. To help you make an informed decision, we’ve compiled a list of the best auto insurance companies for seniors based on reputation, reliability, and affordability.
When choosing a car insurance company, it is important to opt for one that is reputable, reliable, and highly rated by customers. Below are some of the best car insurance companies that offer excellent coverage and benefits for senior citizens.
Allstate
Allstate is a nationwide company that offers a variety of discounts and special coverages for seniors. These include umbrella insurance plans, 24/7 roadside assistance, and new-car repair coverage. Allstate also provides unique products such as rideshare coverage for Lyft and Uber drivers.
In addition to their policy features, Allstate offers several benefits for seniors, including accident forgiveness under certain conditions, good driving discounts, and guaranteed claim handling. They also provide special discounts for retired policyholders aged 55 or over, as well as multi-car and multi-policy discounts, and discounts for automated premium payments and online billing.
GEICO
GEICO is a popular provider of car insurance for drivers of all ages, offering good prices and features for seniors. They operate almost entirely online, which helps them to charge lower premiums. GEICO writes policies in all 50 states and is highly ranked for good customer service.
Seniors who choose GEICO can benefit from special coverages such as automatic renewal for qualified senior drivers, glass breakage, mechanical breakdown, and rideshare coverage. They also offer benefits such as accident forgiveness under certain conditions and emergency roadside assistance.
Additionally, GEICO provides safe driving and healthy driver discounts up to 25%, multi-car and multi-policy discounts up to 25%, and modern car safety equipment discounts up to 25%.
Hartford
Hartford is a very large insurance company that offers an exclusive auto insurance policy to AARP members. They have strong ratings for financial strength and customer service, and their policy includes emergency roadside assistance 24/7, claims hotline 24/7 by phone or online, recover care, replacement with a new vehicle if the insured new car is totaled in the first 15 months or 15,000 miles, and 12-month cost cover, which for one year locks down your auto insurance premium.
Seniors who choose Hartford can benefit from multi-policy discounts of 20%, lump sum premium payment discounts, and car safety equipment discounts.
USAA
For seniors who are armed service veterans (or their spouses), USAA provides auto insurance coverage with excellent rates, service, and benefits. They sell auto insurance in all 50 states and offer special coverages such as rideshare coverage for Lyft and Uber drivers and the ability to package auto coverage with many other types of insurance coverage, including life, renters, and boat insurance.
USAA also offers benefits such as emergency roadside assistance, towing coverage, accident and injury forgiveness for qualified drivers, and new vehicle purchase discounts and financing aid. Additionally, they provide discounts for multi-vehicle and multi-policy coverage, new vehicles, and low vehicle usage (mileage).
Other ways seniors can reduce the cost of their auto insurance include making sure they are listed as a leisure driver rather than a commuter, taking defensive driver courses for a discount, and looking for senior discounts through organizations like AAA or credit unions. It’s also important to consider your deductibles and coverage types, as a higher deductible can lead to lower premiums and you don’t want to pay for coverage you don’t need.
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