Once you have made it to the pinnacle of your life, there may be obvious and specific perks which can help you stay fervent in living active and productive twilight years. Seniors finally qualify for deeper discounts on the things like auto insurance which could make a big difference in their quality of life.
Making it all the map to senior state around here does have its perks and certain insurance discounts are only a small bit of the good stuff that is to be in store. When I mention twilight here I don’t mean the dreamy attractive brooding vampires from the movies either. I mean those golden few years where you are supposed be able to rest easy and lift your time getting somewhere instead of rushing around like a maniac all the time.
It is surprising to me having impartial turned fifty that I actually had to go and ask our insurance agent to give me any available senior discounts they offer. It is not like they do not know my age! In fact, they probably know more about me than most of my friends and family combined. So make a point of asking your agent to gather you tuned in to every senior discount option they offer. If you are not delighted with these results then contact other insurance agencies and start shopping around. Once you have the agents attention ask them to help you with the following things.
First see if they offer a pleasure driver rate as this can do a senior money on their insurance since they are typically not driving nearly as worthy as when they commuted to work every day of the week. This one change could save you ten to fifteen percent on your premiums.
Another item to consider is to ask if they can relieve set you up with an AARP or AAA safe driver course which once completed successfully they should be able to offer you another form of safe driver discount. It is common knowledge that folks between the ages of 50 and 70 are reportedly some of the safest drivers on the road.
Since you are officially a safer driver than most and to present it you finished your safe driver course it may be time to raise your deductible so that your monthly premiums are lowered. This is worth the risk if you have a good driving relate and can put away the deductible amount you may need ahead of time. Of course paying the deductible later negates some of the savings you accrued but that is always going to be the same risk no matter how worthy you pay per month.
One really fast plot to save on your insurance cost is to pay your annual premium amount in full at the beginning of the term. This can score you a ample cost reduction on your premiums if you can afford to plunge the cash in one big lump payment.
Getting what the insurance business calls “Multi-Line” insurance is another great way for seniors to save on their insurance bills. What you need to do is find an insurance company that covers cars and homes and combine these policies. many of us have one for each and this is not cost effective.
You could downsize your sedan and go with something smaller that is less costly to insure and is perhaps gets even better fuel mileage saving you more money per year as well. If possible you could judge selling the car and going with public transportation or ride one of the newer motor scooters that are more like motorcycles than scooters. One is even a three wheeled unit that is really safe from a company called Piaggio.
All things considered seniors are wise to consult with a few different agents to see that they are getting the best deals possible since most of us will be on a fixed income at some point in our twilight years we may as well be frugal on things like our insurance premiums.
Filed under State Farm Auto Insurance by on Feb 27th, 2011. Comment. 
Many senior citizens have been proper 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 salvage 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 buy. 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 capture pride in stating: “Esurance doesn’t just offer pleasant 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 fetch 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 Allege.
Keeping Auto Insurance Rates Down
There are ways that senior citizens can catch 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 keen in keeping their driving skills interesting.
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.
Interrogate 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 respectable driving portray is the best arrangement to keep auto insurance rates down.
Filed under State Farm Auto Insurance by on Feb 24th, 2011. Comment.
Or should I say… GEICO Cavemen slated to become a TV sitcom?
It’s true! Those insulted cavemen from the Geico Insurance commercials have a sitcom in development with ABC.
The cavemen ad campaign came about in 2005, with characters created by the Martin Agency, the same people behind the proposed Caveman sitcom. The premise of the Geico commercials is simple… and kind of strange. 2 cavemen, played by Ben Weber and Jeff Daniel Phillips are for, whatever reason, alive and well today, and are offended by Geico’s claim that geico.com is “so easy, a caveman could do it.”
The initial commercial, which was simple and to the “point” spawned at least 3 additional commercials, including my personal favorite (in a love to hate kind of way) that shows the Geico spokesperson who originally made the claim that geico.com was so easy a caveman could expend it apologizing to the cavemen while browsing a menu at a fancy restaurant. Like in every commercial, the caveman is disgusted and that’s the big laugh. At least, I think that’s what they’re going for.
Like all things that annoy me to death, I figured the supposed-to-be-long-dead-yet-here-they-are-bugging-the-crap-out-of-me-cavemen’s days were limited. Apparently, I was wrong, and evidently, I’m in the minority wanting them to go away.
This year Geico launched a website, a highly interactive one at that, taking place in the cavemen’s apartment. This website, located at http://www.cavemanscrib.com invites you in and lets you play around with things in the apartment, including changing the music on the iPod, knocking the power out trying to microwave some dip, and even walking into the bathroom while a caveman is taking a shower. It’s like I’ve died and gone to Heaven, let me shriek you. I’m sure there’s even more to do at the caveman’s crib; I couldn’t stomach sticking around any longer to procure out.
The Internet and commercials, though, do not true annoyance make. Surely, a sitcom based on the caveman characters couldn’t be a reality. Couldn’t be… but is.
ABC isn’t fair talking about it, they already ordered the pilot. The tentatively named “Cavemen” is one of 14 pilots being produced by Touchstone Television for the 2007 spring season. I think it bears repeating… the pilot will indeed be written by Martin Agency, the creators of the cavemen for the Geico commercials.
The plot of the new Cavemen sitcom is not exactly a long shot from the commercials – they are Neanderthals who live in modern times (Atlanta, 2007 to be dependable) who don’t wish to be treated any differently than the rest of us. And isn’t that just completely understandable… after all, they’re only supposed to be Plain.
And there it is: The evolution from commercial, to website, to sitcom. I wonder if it’s those Nielsen families that are responsible for all this…
At any rate, how long do you think this show can pull off the same caveman reaction to the same new day prejudice? Will Geico advertising be sprinkled throughout the show, making it less a sitcom and more a really long, painful commercial?
On the upside, if they’re ever at a loss for guest stars, perhaps they could derive the gecko to make a nice cameo!
As much as I’d stay away from this show if it were on, I’m morbidly enchanting to examine if it does find picked up. It’s the masochist in me, I’m tellin’ ya!
Filed under State Farm Auto Insurance by on Jan 21st, 2011. Comment.
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Filed under State Farm Auto Insurance by on Nov 5th, 2010. Comment.
