Chantelle Dalby's blog ::...Kopechne was murdered at Chappaquiddick because of a hit-run accident to my car on Sept. 16, 1968, at 10:45 pm -- Franklin and Lombard, San Francisco. Mayor Alioto ...
Many senior citizens have been loyal to their auto insurance companies for years, often decades. Having the same reliable insurance agent and company is comforting. But the auto insurance industry has become more competitive, actively vying for the senior citizen market. It makes sense for senior citizens to gather information to compare their current rates, especially at the time of auto insurance renewal. Getting quotes for auto insurance is an easy process. With just a few clicks on the computer or toll-free telephone calls, anyone can gather a list that compares auto insurance by services and rates. For senior citizens, who often are on fixed incomes, this can be a very cost-effective exercise, possibly saving them hundreds of dollars during an insured period. Finding Comparable Rates Buying auto insurance is like any other important, long-term purchase. The key is to take time to research and shop for the best deal with reliable auto insurance companies. The following is a sample of insurance companies and insurance brokers offering auto insurance quotes on the Internet. Many have specific marketing programs targeting senior citizens. AARP: www.aarp.thehartford.com. AARP is an advocacy organization for seniors that promotes the interests of people over 50 years old. They offer auto insurance to members through The Hartford. Allstate: www.allstate.com. Allstate is a well known insurance company. Quotes can be gathered at the above website or local agents can be found in the telephone book and are available to assist in preparing a free quote. Farmers Insurance Group: http://www.farmersinsurance.com. Online or in person, a Farmers insurance agent can review auto insurance coverage, help identify potential gaps, and include any qualifying Farmers Auto insurance discounts. Progressive Insurance: www.progressive.com. Progressive will provide a quote for their company along with comparables of other auto insurance companies for easy comparisons. Geico Insurance: www.geico.com. This company can be accessed online or at one of their many offices. It is easy to get a quote; they offer flexible payment options and competitive rates. Costco: www.costco.com. Costco offers membership insurance through Ameriprise Auto & Home Insurance. Autoinsure: www.autoinsure.org. Autoinsure has a page with helpful insurance information for senior citizens. They can provide quotes from all the major auto insurance companies. Esurance: www.esurance.com. A rising star among insurance companies that take pride in stating: "Esurance doesn't just offer reliable insurance coverage, we also believe in educating consumers." Their online quote process is easy to navigate. US Insurance: www.usinsuranceonline.com They will provide multiple auto insurance quotes tailored to specific needs within minutes of filling out their simple short form. It's easy then to compare them side by side to find the best prices and coverage. Car Insurance Rates: www.carinsurancerates.com Their network of companies and brokers offer a variety of car insurances: Farmers, Allstate, AIG, Nationwide, AARP, Safeco Insurance, Liberty Mutual, MetLife and Mercury. Every insurance rate: www.everyinsurancerate.com EveryInsuranceCompany.com is a handy Internet directory to find local insurance companies, insurance quotes and discount insurance rates. Quote Scout: www.quotescout.com. This website will provide quotes from a long list of auto insurance companies - literally from "A" to "Z". Insurance.com: http://www.insurance.com. Insurance.com works directly with 15 highly rated car insurance companies in 46 states: 21st Century, Electric Insurance, Esurance Auto Insurance, The Hartford, Infinity, Liberty Mutual, Meritplan Insurance, MetLife Auto Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Progressive, QBE Insurance, Safeco, Travelers Insurance, and Unitrin Direct. Keeping Auto Insurance Rates Down There are ways that senior citizens can take responsibility to control their auto insurance rates. Here are a few suggestions. According to seniorjournal.com, most of the major auto insurance agencies provide a 5% - 10% discount to drivers beginning at the ages of 50 or 55. However, as a group, drivers 75 and older have one of the highest rates of fatal daytime accidents. Because of this, it's important that senior drivers stay proactive and involved in keeping their driving skills sharp. Many states offer an auto insurance discount for mature drivers if a person meets a given age criteria and has taken an approved mature driver safety course. Local colleges and senior centers are good resources to learn about the classes. AARP has local and on-line access to the course. Costco offers its members an online drivers' safety training course through FirstNet: www.firstnetlearning.com. Another way to keep auto insurance rates down is to drive a low-profile car, one that as part of a group has a lower rate due to minimum repair costs, considered safer and less likely to be stolen. Check the Highway Loss Data Institute, www.iihs.org, for the latest related data. Examine current auto insurance needs and requirements. Changing to higher deductibles or dropping collision or comprehensive coverage for older cars may make sense. Always ask about discounts when purchasing or renewing auto insurance. And finally, the best long-term advice: Always drive defensively, stay alert and follow the driving laws. Maintaining a safe driving record is the best way to keep auto insurance rates down. |
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