subject: A Guide to Buying Over 50's Car Insurance Online [print this page] A Guide to Buying Over 50's Car Insurance Online
Mature drivers have a wealth of experience on the road. Insurance companies recognise that with experience comes significantly reduced risk, this means that you are able to benefit from paying lower premiums each year.
In order to fully take advantage of being a 50+ year old driver you need to shop around for your car insurance. Over time you might see drops in your current policy, but that doesn't necessarily mean that your current insurance offers the best deal.
But there is a flip side to this; when age can actually start to count against you again. Typically this would be around 70. With insurance rates being marked by a number of extenuating factors, your risk level alters as you pass through different age bands. Unfortunately, older drivers are statistically seen as being more likely to be involved in incidents and therefore have greater liability on insurance.
These days if you want to buy insurance, the best place to start is by going online. So if your current cover has taken a hike as you've hit 70 or you want to take advantage of some of the great over 50's car insurance offers around, the Internet is a great place to start.
Finding reputable insurers can be as easy as searching on Google (or any other search engine for that matter) for the service you're looking for - i.e. 'over 50's car insurance' for example. One search can return literally dozens of insurance websites, all of which should be able to provide you with a quote there and then.
You might also be a member of clubs or societies that have their own special promotions on offer. This can be a good way to get to know which insurers offer these services and what kind of discount you can expect to receive as a mature driver. Armed with this information you can go online and find out more through their website and even apply for cover with your chosen insurer.
Friends and family are a good source for recommendations too. If somebody has had a particularly positive or negative experience it can help to shape your own search and point you towards the best companies for over 50's car insurance.
Then of course there are the price comparison sites. If you don't want to shop around too much and waste your time going from site to site, a price comparison engine will use the details that you provide to search a catalogue of insurers to get their best quote. Obviously not all of the companies in this list will be specialists in providing coverage for over 50's, but you might just be able to find a bargain hidden in there somewhere.
Whilst not all mature drivers will want to venture online to buy insurance, it is a great resource - if only to do a little bit of extra research. You can find out what other policies include, weigh up the comparative prices and find out what other customers have to say about the products and services on offer.
You can still complete applications on the phone; in fact many insurers will request that you do so. Therefore if you have concerns about privacy you should be reassured that your details shouldn't find their way into the wrong hands.
The main benefit of the Internet is that all of the information is available at your fingertips. You won't be harassed by pushy salespeople or find yourself paying over the odds because you're not aware of the going rate. You don't need to spend long online to get a whole lot of information and find the right over 50's insurance policy for you.
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