Car insurance for people over 80
 

My brother who is 81 is paying $1200 per year for car insurance on an 8 year old Kia Soul. Does anyone know of a source for car insurance that doesn't surcharge older driver's? His premium took a big jump up when ge turned 80.
Thanks

Hmmm...eyesight getting poorer, reflexes almost nil, mental state + ability to focus...always on the decline. So no insurance company will give a good rate unless the deductable is very high. And why would they as the chance of an accident increases with age...especially in their 80's.

1-800-423-0567. Hartford insurance, we are not in 80's BUT our auto insurance dropped by 50% from Geico. Friends have found this to be true also.

Is that $1200 per year or for 6 months? If it is for a year, the rate sounds pretty reasonable. A lot of younger people pay more than that. The age of the car has very little to do with the rate.

One way to reduce your auto insurance in Florida is to drop the uninsured motorist coverage. It is mandatory in many states, but optional in Florida. In my opinion, it is redundant with heath insurance and not worth paying for it. Some people incorrectly think it provides liability coverage. It doesn't.

For a year. Less than $500

It depends a lot on how much liability coverage you have, but the average cost for auto insurance in Florida is more than $1200 per year. I pay about $1100 per year for Allstate with an excellent driving record and a very high liability coverage. But, I was surprised that, when I traded in a 13 year old car for a similar new car, my insurance rate actually went down by a small amount. I have shopped around, but haven't found substantially cheaper coverage.

Uninsured coverage pays an insured amounts an uninsured motorist would owe the insured for their injuries. While your medical bills may be paid, what's a lifetime injury worth that prevents you from doing things such as golfing or dancing. Worst case scenario what if an insured is killed? UM coverage steps in pays what the UM would owe.

Too many uninsured motorists in Florida and the fact they aren't insured is indicative as to how responsible they are. This coverage protects you for much more than medical bills and is something you need to have.

I understand your point, but I don't agree. Most people, who have UM insurance, only have coverage of $10,000 or $25,000 per person. And, most UM claims are for medical bills, not "pain and suffering". So, basically you are buying insurance for medical bills when you already have full medical coverage. It's redundant. And, if you have UM coverage, your auto insurance company becomes your primary health care insurer, not Medicare. This can create a issue with getting the medical treatment you need because Medicare cannot pay until the auto insurance claim is filed. Regarding "pain and suffering", you would probably need to sue your own insurance company to collect it. And, if you only have $10,000 or $25,000 in coverage, how many lawyers are going to be interested in suing a large insurance company when the maximum payout is so low? The lawyer would end up with half of the money anyway. That is why I purchase a large liability amount and no uninsured motorist coverage at all.

Try State Farm...

I saw no big jump in my bill when I turned 80( I’m now 82) and because I consolidated my new home and car , my bill went down this month . I suspect the problem is with a combination of age and an older vehicle with none of the new safety measures. I agree with others who have said if it’s a year policy it’s not bad , o also agree with the other guy about age , reflexes, and eyesight . I should be paying more but I’m not, but don’t worry I’ll only be on the road for 4 maybe 5 years , that’s when I’ll be back to Boston , that’s been the plan since I came to Florida . I’m not dying in the sun , I prefer to walk everywhere , and see people on the sidewalks of all ages and if I get health issues ( none yet) I can be treated at Massachusetts General Hospital

Kia soul insurance
 

Drop the collision on an 8 year old lesser priced car. Go with just PL and PD.
The removal of collision will reduce the insurance cost quite a bit.
If that vehicle is totaled, after deductible, the payout from the insurance company for it would be a couple thousand at max.

I have 3 cars - 2 have basic insurance and one full coverage -I pay 1700 with progressive.....58 yo

1700 per year sorry

Hartford through AARP saved me $700 a year

Liability only
 

That can’t be for full coverage. That must be for just liability only, no collusion, no comprehensive.

Try Farmers Insurance.

We pay about the same for the auto insurance on a ten year old Toyota Camry. About $600 for six months. That’s for good coverage. Higher liability, good company coverage, including full glass coverage. No insane $1,000 deductibles. That’s also with no accidents and an excellent credit rating.

Our auto insurance is almost double, compared to what it used to cost in Minnesota last year. That’s because of how some of the Florida drivers are reckless. Weaving from lane to lane, just to get a few cars ahead. Doing stupid stuff, like racing up to stop lights, only to wait longer at the stop lights. We stay on the right lane, and let the insane drivers race ahead, with their vehicles that should be impounded for excessive noise pollution. Those people think they are living inside a video game, when they are driving. That’s the reason that your auto insurance is expensive in Florida. If those people would lose their driving privileges, had to forfeit their vehicles, and go to jail, your insurance costs would rapidly decrease.

That is until you are hit by a motorist who has no insurance and you have to pay all the costs.

As I was hit by a person who had no insurance in the car and the traffic person took an insurance number from her husband over the phone, I learned later that the insurance was fake and also that the police could care less. The address was fake on her drivers license and the police told me not their problem. If you are in an accident ask for a real cop, the traffic people know nothing. The woman should have been arrested at the accident. She got a ticket for following too closely and nothing for no insurance in the car. I heard the traffic person say, the ticket for no insurance in your car will cost you more. Thanks Lady Lake, that was horrible.

Car Ins.
 

I have been trying for years to lower my car insurance rates without any luck. No accident in 40 yrs, no speeding tickets or DWIs in over 50 yrs. As soon as you put in your Zip Code it tells the Ins. Co. what to charge you no matter what your driving record is. Higher age doesn't help your case either.

Our experience is that as our vehicles age (while we get older) our premiums continue to go down......17 years experience as a resident of TV.

Whats wrong with the cost? Im 66, no accidents, no citations, car is new and garaged n I pay about the same per year. Prices increase. Thats life. Either pay or start using the walking paths

Dont get involved in an accident. My insurance doubled after getting rear ended with them. Would never use them again!

I think I would keep that policy!

have you...
 

Spoken with AAA?

My husband and I are 82. I switched us to Allstate for homeowners and car insurance. We use our golf cart for just about everything and we don’t drive to the airport or cruise terminals or across country anymore. We pay by the mile for insurance. Allstate sent us a device we connected in the car which relays to them our mileage. I can’t tell you exactly how it works but they send us a notice every 3 months and charge us $135. Some how the cost of the mileage is subtracted from that. So far it has kept our insurance cheaper than it was before. My husband has dementia but had always taken care of insurance for car and home and golf cart and I am doing my best to learn this stuff. If you call an Allstate office I’m sure they can explain how this car insurance works. I did save over $2,000 dollars this year by switching all our insurance to Allstate. We had been carrying all our insurance with The Villages Insurance Co.

A truly simple reply. As insurance price is based on an assessment of the risk. All insurance companies do not use the same assessment of the risk your brother presents.
I've read that a low credit score raises your rates. That seems crazy to me but when they crunch their numbers apparently as a group people who can't or don't pay bills on times tend to have more auto insurance claims.
There are many ways to reduce your insurance cost. You can raise your deductibles.
By doing so you are self insuring smaller losses. The value of your car actually has little effect unless you are driving a particularly expensive car, or one that has a history of being stolen. The risk to the insurance company, chance of crashing into say Warren Buffet or Bill Gates does not go down due to the fact that your car has lost value due to aging.
I would suggest getting other quotes for insurance. The price may be good or not.
You also want to research the company quality. A company can be cheaper it they, should there be a loss pay less than what they have promised or you think they promised. Book value? My car is older. It is garaged, little driven. There is no way I could replace it for book value.

When my insurance company wanted to raise my premium about 5 years ago, I switched to the Southern Insurance Group in Clermont, Fl. I deal with Garrett Johnson. I use them for both my homeowners and my auto coverage.

I'm over 80. My ins. was high. I went to Progressive. They installed Snap Shot (may not be right name). Had this for 6 months. My ins. went down. I had a 10 year old car. Traded for new mini-van. Ins. went down again. Very pleased.

Aren't you glad you asked

Thanks for some of the replies, other's not so much 😀. Neither I nor my brother live in The Villages but I asked here because of the number if older people that do.

That's a great reason to have mandatory driving testing after a certain age. Not only would it keep dangerous drivers off the road but a positive benefit could be that older drivers could be rated for insurance companies.

There are many octogenarians that are as you describe but there are many that have good eye site, reflexes mental state and ability to focus. why should they be penalized for the ones that are failing?

Have a friend that switched to Hartford, premium significantly lower, then he had an accident. As it was passed to me, Hartford would only pay for used parts (unless the repair shop bought the parts from an offshore provider) , he appealed and it finally took a conversation with someone at Corporate which took 2 months to happen. They finally agreed to new parts but no rental, another 2 months to get agreement for the rental. Total down time was 8 months and lot of receipts and out of pocket cash. He felt the car should have been totaled but that wasn't an option. When he finally got his van back he held a driveway party with friends and neighbors to welcome it home.

I am not 80 but need a new insurer :-) Thank u!

We recently switched our auto insurance to the Hartford Insurance also, they are affiliated with AARP and have excellent rates for seniors.