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Avoiding age surcharges on car insurance: Tips for seniors
With this clever trick, pensioners can save a lot of money on car insurance. Find out how you can avoid age surcharges and reduce costs by up to 50%. #car insurance #pensioners #saving money #changing insurance
Avoiding age surcharges on car insurance: Tips for seniors
Seniors who take out car insurance often have to dig deeper into their pockets than younger drivers. This is because age is taken into account when setting rates, and statistically speaking, older drivers are more likely to cause accidents. According to the General Association of Insurers (GDV), seniors are generally involved in more car accidents than middle-aged drivers, which leads to higher insurance premiums.
According to Stiftung Warentest, an average 80-year-old person pays around twice as much for car insurance as a 55-year-old person. Even drivers who are 65 years old have to pay 16 percent higher premiums compared to drivers ten years younger, as reported by Verivox. Insurance companies defend these age differences in rates by saying they are based on statistical data and do not constitute discrimination.
However, there are ways seniors can avoid the additional costs. Experts recommend checking your own vehicle insurance and, if necessary, switching to a cheaper provider. Another option is to insure a child's car as a second car, which can save up to 50 percent on insurance costs. If this option is not possible, seniors should at least check the kilometers driven per year and adjust them if necessary in order to receive potential discounts through a higher no-claims class and thus reduce premiums.