In addition, under Pennsylvania law, drivers 55 and older can receive a 5 percent discount on their vehicle insurance when completing the basic improvement course for adult drivers. To serve mature drivers, some auto insurance providers offer specific discounts for seniors. These include GEICO, Progressive, Allstate, and Farm Bureau. Most of these companies require a safe driving course certificate, which can be difficult if you have a limited budget.
Some insurers offer specific auto insurance policies for seniors, but they often require the driver to take a DMV-approved road safety course to qualify. Policyholders who are at least 48 years old and have a home insurance policy can get a discount on auto insurance. Through a partnership with AARP, The Hartford offers auto insurance for seniors, including special features for policyholders over 50. In addition to qualifying for discounts on car insurance for seniors, drivers can also choose to get other discounts not specific to their age.
One form of car insurance for seniors is pay-per-mile insurance, which charges you based on the miles you drive. Combining your insurance coverage or increasing your deductibles are some tips that will help you save on the cost of insurance, in addition to getting discounts. Auto insurance discounts for seniors usually take effect between the ages of 45 and 55, depending on the provider.