My dad just turned 70 and he's been complaining about his car insurance rates creeping up lately. He's got a clean driving record, drives a pretty safe sedan, nothing fancy. But you know how it is, seems like the older you get, the more they wanna charge you. Anyway, figured I'd ask around here if anyone knows any decent companies or discounts in Tennessee that cater to older drivers? Maybe something you've found for your parents or yourself? Thanks!
"seems like the older you get, the more they wanna charge you."
Yeah, you're not wrong there. Insurance companies do tend to hike rates once drivers hit a certain age bracket, even if they're spotless behind the wheel. I've seen it plenty of times—clean records, safe cars, doesn't matter much. But don't lose hope just yet...
In Tennessee, I've noticed some folks have decent luck with companies that offer specific senior discounts or defensive driving course credits. Might sound like a hassle, but sometimes a quick online refresher course can knock a good chunk off the premium. Also, if your dad isn't driving as much these days, look into mileage-based discounts. Some insurers are finally catching on that retirees aren't commuting daily anymore.
Honestly though, shop around a bit. Rates vary wildly from one company to another, especially for older drivers. Don't just stick with the big names either—sometimes smaller, regional insurers can surprise you with better deals. Good luck with it, insurance shopping is never fun...but hopefully you'll find something reasonable.
Yeah, insurance shopping can be rough... Have you checked if bundling home and auto helps at all? My grandparents did that and it actually made a noticeable difference. Might be worth asking about, if you haven't already.
Bundling can help, yeah, but honestly it varies a lot depending on your carrier and your specific situation. I've seen some folks save a decent chunk by bundling, while others barely notice a difference. Have you checked with smaller local insurance companies in TN? Sometimes they offer surprisingly good deals for older drivers—especially if you've had a clean driving record for a while.
Also, don't forget to ask about mileage discounts or defensive driving course credits. My dad took one of those classes (begrudgingly, I might add...) and ended up saving more than he expected. Might not be life-changing, but hey, every bit counts when you're dealing with insurance rates these days.
Just curious—have you noticed any big differences between quotes you've gotten so far? Sometimes the price swings are pretty wild...
Bundling's hit or miss in my experience. I've been driving for decades, clean record and all, but once I crossed into my late 60s, rates started inching up no matter what. Tried bundling home and auto, and it helped a bit, but honestly not enough to rave about. Defensive driving courses do seem worth it though—my neighbor swears by them. Might finally cave and try one myself if the savings are decent enough...
