Many seniors find the going tough when it comes to paying for auto insurance seniors. They discover to their horror that insurance rates they pay for their vehicles increases as they continue to grow older.

This is because as people grow older - their reflexes are slower, the eyesight go bad and they are prone to many diseases. That is why auto insurance companies consider seniors a higher risk group than someone in his thirties or forties and impose a higher insurance premiums when seniors drive.

However, things are not completely lost when it comes to auto insurance for seniors. There are still a few legitimate ways where seniors can lower the premiums they pay for their vehicles.

One of the most quickest and sensible way to lower auto insurance rates is by handing over the primary driver status of the vehicle from a senior to another younger person who also drives.

It makes driving sense because with a younger person driving the car for the senior, there is less risk of auto accidents occurring. And the wonderful thing about this arrangement is the senior still gets to drive the car around as he or she likes but now without the high auto insurance costs.

Are you a member of the American Association of Retired People ? Members of this association gets to enjoy many great benefits, chief among them are getting discounted auto insurance rates from auto insurance companies that associated with this organisation.

If you are not a member of the American Association of Retired People, I suggest you register with them as a member as soon as possible. Registration is easy, can do it on-line and once you have completed the registration, you can scout around for some cheap auto insurance deals for seniors in their website.

Are you a low mileage driver ? My parents who are seniors are. They don't drive very far from home - only drives short distances to familiar places like the supermarket and the bank to withdraw some cash for expenses. They are also daytime drivers and do not drive a vehicle in the night. Car insurance companies love these people as low mileage drivers, driving short distances and not driving at night means less risk to the auto insurance companies. Talk to the agent about this and see if you get a discount on this.

Conclusion

Whether you are a senior living in the US, UK or other parts of the world, you can take heart there are many legitimate ways to lower auto insurance rates on your vehicle. You just need to get some ideas on how to get auto insurance discounts that apply to you and talk with the agent.