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As you approach retirement you probably want to start reducing your expenses. A good one to start with is your car insurance. AARP offers some great values for seniors. If you have a good driving record with no accidents or major traffic violations for five years, you qualify for AARP’s First Accident Forgiveness program. They realize that stuff happens and we can all have a bad day. That does not mean that we instantly become bad drivers. Of course not, there is no point in penalizing us for years by raising our auto insurance rares because of one bad day. Not only that, but we can still get full auto insurance coverage with the AARP discount.

Have you ever heard of a ZERO DOLLAR auto insurance deductible? Your can have that also with AARP auto insurance along with the First Accident Forgiveness. To qualify, you just have to keep your driving record clean like you’ve already been doing. It starts with a $150 deductible deduction and as you continue to have a perfect driving record, it goes down by another $50 each year until it reaches $0. After all these years with a perfect driving record, AARP auto insurance wants to keep you around. You might say they are saying. “Thanks for all the great years, we appreciate having your as our client”.

Suppose you are in accident that was not your fault. AARP auto insurance will actually waive your deductible in such cases. They will also reward you by giving you a $100 waiver of your deductible if you chose to get repairs at one of their approved repair shops.

To get this fantastic insurance coverage you first need to be a member of AARP. This auto insurance is just one of the many benefits of AARP membership. AARP is not an insurance company so they have arranged for this special coverage with The Hartford Insurance Company. You know you are in good hands with both AARP and The Hartford standing behind you.

There are many other policies that only guarantee their rates for 6 months. If you buy a policy with AARP auto insurance, you will be locked into your rate for 12 months. You will continue to be able to renew your policy as long as you are able to drive and pay your premiums.

We have talked about some great benefits and discounts, but they we are not through. The safer you and your car are the more discounts you are eligible for. Have you taken a defensive driving course lately? If not, get to it. A defensive driving course may get you 10% or more off your insurance premium. Does your car have anti-theft systems; airbags, anti lock brakes? All of these things can help reduce you car insurance premiums. Being proactive and safe puts the ball in your court so that you can reduce your auto insurance costs.

Isn’t it nice to know that there are some advantages to getting older, such as a great auto insurance policy to match your limited income? You have earned the benefit of reduced premiums by living a life time with a good driving record. AARP auto insurance recognizes your experience and safety record and offers you the best in discounted insurance for retirement aged people.