When you start looking for over 50 car insurance, you will hear two things on a regular basis: Rates go down when you are over 50. Older people are generally safer and more cautious drivers, as long as no other health problems impede their driving skills. The second thing you will commonly hear is: AARP offers insurance to people over 50 – you should check it out.
AARP is a huge group that works politically for the interest of the senior citizens in America (although you can get their car insurance at any age). Therefore, you would think that any car insurance for people over 50 that they offered, would be fantastic…. right? I actually found that feelings were very mixed, and leaned toward the negative for over 50s auto insurance from AARP.
We will start with the positives:
1.) You get a 15% discount if you are a member of AARP
2.) They offer numerous advantages that are difficult to find in other insurance companies, such as:
First time accident forgiveness – As long as all the drivers on the policy are “free of accidents and major violations for the previous five years” Continue reading →