Advice from Your Auto Insurance Team in Medicine Hat, Calgary, and Brooks
There are several benefits of ageing. One of the best advantages of becoming a senior citizen, is all the discounts you qualify for, including those that apply to your home and auto insurance. Depending on your insurance provider, as a senior, you may look forward to reduced rates based on certain criteria, such as reaching a certain age, having low-mileage, participating in defensive driving courses, driving a low-risk vehicle, and more.
Regardless of your age or what type of vehicle you drive, it is important to have insurance. Work with our brokers for exceptional customer service and policies to match your unique auto insurance needs.
Factors that Affect Senior Auto Insurance Rates
As a senior, there are several factors that may affect your auto insurance rate. If you are unsure about how much insurance you need to buy, contact a professional broker who can help you save. Here are a few ways seniors can get the best auto insurance rate:
• Type of Vehicle: When shopping for a vehicle, ask for insurance quotes on the models you are interested in. Driving a high-end vehicle may result in a higher policy rate. However, switching to a standard family car may cause your rate to decrease. The most affordable cars to insure are those that do not require a lot of maintenance, are driven by individuals with years of experience behind the wheel, and are able to protect the driver and passengers in the event of an accident.
• How Often You Drive: If you are retired, chances are, you are not doing as much driving as you were when commuting to and from work. Driving more frequently comes with greater risks, and it is likely you are paying too much for coverage that no longer applies.
• Take a Driving Course: The state of your driving record plays a part in determining your premium. While seniors tend to drive more cautiously, symptoms of old age such as poor vision or slow reflexes may result in a few mistakes. By taking part in driving classes specifically designed for seniors, you may be eligible to receive a discount on your auto insurance.
• Analyze Your Coverage: You may be paying for more coverage than you actually need. Go over your policy to ensure that it only covers your specific requirements. Since auto insurance varies by company, it is also a good idea to compare quotes and find the best coverage that works for you.
Find the Right Coverage to Meet Your Needs at Legends Insurance
As you get older, life becomes a time to indulge in the things that bring you joy. Whether you finally have the chance to take your antique set of wheels out for a spin or have invested in your own custom built car, Legends Insurance can provide the extra protection you need.
Fortunately, classic car insurance is our specialty. Our friendly and knowledgeable team of brokers will work directly with you to find the right coverage for your unique vehicle. We are also proud to offer customized auto insurance and motorcycle insurance products to our clients in Medicine Hat, Calgary, Brooks, and the surrounding area.
Get a quote today for your auto, motorcycle, or classic car insurance in Medicine Hat, Calgary, or Brooks from Legends Insurance. Give us a call today at 1-800-830-9423.