Face it, as we grow older we face a lot of obstacles and not just ones about trying to stay young longer. It seems a lot of things turn against us once we start to age, our bodies, our minds, even different things that we need like insurance, especially car insurance. If you still drive and still good you will still find it difficult to find insurance that is not hiked up because of your age. However; with the proper research you can find some cheaper insurance. Here's how.
Believe it or not, there are actually some insurance companies out there that are willing to give senior drivers discounts. So if you don't know if your current company offers such a thing it is in your best interest to call them up and ask if they have cheaper rates based on your age. You may be able to get a discount especially if you have been with them for a long time. However; you will never know unless you ask because they are not going to offer it to you on their own.
It's important that you don't simply assume that you are going to get a better rate just because you have been with the same company for years. Because that simply may not be the case. So you should check with your company and then after doing that you should call around to other companies and ask them if they give senior discounts and what that might be and then compare it to your company. You may end up finding a company that is willing to charge you less than the company you been loyal to for so many years.
If you are Internet savvy or know someone who is, search the Internet. The Internet can be a wonderful place to help you find a variety of different insurance companies that might be a lot cheaper on your wallet than the company you are currently with.
Sometimes, even though you may have a perfect driving record, insurance companies will offer senior citizen driving classes and if you are willing to take them and do well then they will go ahead and lower your insurance rates. No need to be insulted by this, if it saves you money, then go for it.
You probably don't drive as much as you use to and this could work in your favor. So it's a good idea if you find out if there are any discounts for people based on how much they drive. You might be able to get an insurance package at a discounted price if you drive less than a certain amount indicated on the policy.
Don't be afraid to use your good driving record to help save you money. There is no reason why you can't bring up how good of a driving record you have to ask the insurance company to consider lowering your rates as a reward for such a good record. Many companies have rewards like this but simply don't offer that information unless it is asked for.
You also might be able to get a discount on your insurance if you install a variety of different safety devices if you don't already have them. You could put in an alarm system or air bags in older cars. Whatever it is that increases the safety of your car you should be able to get a certain amount of discount for doing so.