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Thread: Insurance for Aging Drivers-Your Opinion?

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  1. #1
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    Insurance for Aging Drivers-Your Opinion?

    I'm trying to help my wife's aunt buy cheaper car insurance. She is 82 yrs old,single, never had a ticket nor an accident & decent health for age. She drives to church on Sunday, grocery once per week & occasionally out to eat maybe 2 times per week. Call it 8 miles per trip X 3 times per week max for total of 50 mile weekly average & NEVER when icy!
    If you saw her you would guess she was 15 years younger! During a short nursing home stay last year due only because of a knee rehab & her house being 2 story,etc., she was constantly asked if she worked there.
    She drives a 2001 Olds and currently has liability only through AARP/Hartford @ $1662 per year. Her homeowners is through KY Farm Bureau Ins & there policy was way higher than current one. As she is a non web person I'm beginning to look for her as a way to save. I did ask her why she pays $249 yrly for a medical benefit on that policy that also includes work loss-seems to me that with Medicare & retired for many years thats not logical but only part of the money picture.
    I'm used to shopping for bike insurance but mine is all long term with KY Farm Bureau for cars,house,farm. She's paying far more than me @ 68 yrs old & ours is 2 drivers,full coverage on late model cars & lots more mileage-ours are ~$500yrly for each car & truck, bike is less than $150 yrly and we live 72 k from her.
    Any ideas to get her cost down?

  2. #2
    OldBMWMaster JDOCKERY132445's Avatar
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    Bundle

    Bundle her policies. GEICO gave me the best results; but my Mom got better results with a local agent who put together a package for her.

    You have to do the legwork; there is money to be saved.
    Jerry Dockery
    309 N. 3rd. Ave.
    Kure Beach, NC 28449
    1996 R1100RT main bike & 1985 K100RS...too fast to believe.

  3. #3
    Survivor akbeemer's Avatar
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    All done based on statistics. Fair for everyone, unfair for the exceptions like SIL.
    Kevin Huddy
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    Tm Pterodactyl MT Outpost

  4. #4
    Old man in the mountains osbornk's Avatar
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    My aunt was in a similar situation and I suggested she check with Erie Insurance. She changed to them and has been very happy with their rates and service. Her house was badly damaged and her car was totaled by the tornado that went through Glade Springs, Va and they treated her like royalty. Erie is really picky about who they insure so she should check with them only if she has had no claims and other factors are pristine.

    I was with Hartford through AARP before I went with them. I went shopping when they raised my rates on one car because I drove it more and another because I drove it less (I might loan it out because it was "extra"?). They pointed out I should stay with them because of my age (before they looked and said "oh").
    'You can say what you want about the South, but I almost never hear of anyone wanting to retire to the North.

  5. #5
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    Erie is a non-KY company. I talked to AAA & saved her $472 yrly & higher liability. No membership needed . Guy said they are often the cheapest for seniors & noobie drivers , those two categories being ones they go after. I'll price GEICO too, just because you never know.

  6. #6
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    You just have to shop it smart, take your time. AARP is a rip IMHO. Never heard of anyone shopping them who didn't do better.

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