I’ve been driving for over 50 years, shouldn’t I get a discount?

Yes we think you should! There are discounts available specifically for individuals above the age of 55. There are, however, two requirements to receive the mature driver discount: you must be above the age of 55 and you must complete an approved ‘Mature Driving Course.” The driving course aims to refresh some skills and teach you some excellent safety tips. Once you’ve completed the approved course you can, at anytime, send us the completion paperwork and we’ll apply the discount to your policy. This is a great discount to take advantage of and serves to protect you and those around you.

I’ve had the same insurance provider for a long time, but is there something I’m missing?

We live in a rapidly evolving world. In today’s market we can comparison shop, research companies, and get the best deals on products and services. If you’ve had the same insurance provider for years, that may be a fine. However, you might be missing out on some great discounts and policy reductions. If you’re wondering if there’s a better rate out there, chances are you’re right. We at Cheap Insurance have made it our mission to work with individuals to craft and customize a policy that offers the cheapest rate around.

I’ve been driving for a long time and my record has some blemishes.

In many states there are a few options available. Some states allow you to erase blemishes on the spot. What that means is some states will allow you to pay double the fine to have the blemish erased. For example, you can pay $70 for a $35 traffic ticket and it won’t show up on your record. Some states allow you to go into your county traffic court and have blemishes expunged from your record after a certain time period. Expunged is just a fancy word for erased. For example, some states require you wait a minimum of one year; after that one year you can go into your courthouse and have the blemish removed from your record. If you are at least 60 years old, the best thing you can do for yourself if you have a D.U.I. or suspended license is to take a special state approved senior driver defensive course, and an accident prevention course. The last option involves your insurance agency. Most agencies will no longer take into account blemishes after a certain time frame. For example, some agencies ignore an accident after two years.

Safety tips for older drivers

  • Schedule regular vision and hearing tests. It’s important to stay up-to-date with your vision and hearing.
  • Refresh your driving skills. We offer an insurance policy discount for those who take driving classes. These classes help you up your defensive driving skills and advise smart driving decisions.
  • Stay physically active. Your body needs activity to be alert and responsive. Driving can be especially dangerous when the driver lacks in either area. Spend 30 minutes per day walking to increase your agility and response time.
  • Know your limitations. Know the conditions and speeds that make you uncomfortable. In addition, know the limitations of of your vehicle. Know how fast, responsive, and agile your vehicle is.
  • Drive under optimal conditions. Try to avoid driving at night and in poor weather conditions. Plan ahead to avoid getting caught in driving conditions that make you uncomfortable.
  • Drive a car that meets your needs. Many therapist and agencies offer courses that help you find the right vehicle for your needs.