Top Car Insurance For Seniors 2021: Low Cost Senior Deals, Compare Top Offers, Cheap Rates

Check out our guide for the cheapest car insurance deals of 2021 below. Find an offer that suits your needs!

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Car insurance is important for everyone and senior citizens are not excluded. Several insurers provide special offers that only senior citizens can enjoy. The age at which a person is considered a senior differs among various organizations. Some have a lower age limit of 55 while others have a higher age limit of 65. There are also those that group seniors into various categories – 50s, 60s, and 70s.

What You Should Know Before Purchasing Car Insurance as a Senior

It is not unusual to see that as you get older, your insurance rates increase. This is because aging is seen as a risk due to the associated health changes. Your insurance rates are usually based on your age, type of car, and driving experience.

Before you sign up for car insurance as a senior, make sure to look out for quotes from various providers and compare. Do not auto-renew as you get older because there are usually discounts for seniors you may qualify for. If you are retired or you now drive less, make sure to speak with an agent because your rates could be lower. If you drive less, you may also want to look into a usage-based insurance program.

Best Car Insurance Providers for Senior Citizens

There are many insurance providers in Canada but we’ve been able to round up the ones with special offers for senior citizens so you can save more money.

Concord Group Insurance

Concord group insurance allows you to save money when you insure both your home and vehicles with them. They also offer you a discount on your auto policy when you purchase your insurance seven or more days before it takes effect. There is a reward for maintaining auto-pay when you sign up. AvivaAviva insurance is known for its remarkable customer support. You can trust them to respond quickly when you have a claim. They have standard and optional coverages available. As a senior who is retired, you get to save on your policy.

You are rewarded when you insure more than one vehicle, maintain a clean driving experience, or bundle your home and car policy. These offers make it possible for senior citizens to save some of their funds. If you need a quick estimate of what your policy would cost, you can get a quote online.

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Intact Insurance

Intact Insurance is the largest provider of property and casualty insurance in Canada. They run a program that helps you save. It is called “my Drive” and by being enrolled in this program, you can save up to 25% simply by driving at a safe speed, being smooth with the brake and accelerator, and focusing on the road without phone distractions.

By entering the program alone, you qualify for a 10% discount. Your type of vehicle – an electric or hybrid vehicle will get you a 10% discount on your plan.

Desjardins

Desjardins Insurance is available in Quebec, Ontario, and Alberta. They offer various kinds of discounts. They have a loyalty discount that you qualify for if you’ve been insured continuously for the past 3 years. They also have a multi-vehicle discount which helps you save money when you insure more than one vehicle.

You are rewarded for being environmentally conscious if you drive an eco-friendly car which can be either an electric or a hybrid car. Being a safe driver with four winter tires is rewarded with a 5% discount on your premium.

Erie Insurance

With Erie Insurance, you qualify for a safe driving discount if you have a clean driving record. The state of your car can also determine how much you will save. The higher the number of safety features it has, the greater your chances of getting a discount.

You can get up to 20% discount on your policy when you insure both your house and car or your life and car. Consider paying your auto premium in one lump sum so you can save some money.

Conclusion

There are various offers available and to make a choice, you need to decide which is best suited for your lifestyle. Based on the special offer available for seniors, we conclude that Aviva is the best choice.