[Jimlee2004]

Try Farmers Insurance.

[davephan]

We pay about the same for the auto insurance on a ten year old Toyota Camry. About $600 for six months. That’s for good coverage. Higher liability, good company coverage, including full glass coverage. No insane $1,000 deductibles. That’s also with no accidents and an excellent credit rating.

Our auto insurance is almost double, compared to what it used to cost in Minnesota last year. That’s because of how some of the Florida drivers are reckless. Weaving from lane to lane, just to get a few cars ahead. Doing stupid stuff, like racing up to stop lights, only to wait longer at the stop lights. We stay on the right lane, and let the insane drivers race ahead, with their vehicles that should be impounded for excessive noise pollution. Those people think they are living inside a video game, when they are driving. That’s the reason that your auto insurance is expensive in Florida. If those people would lose their driving privileges, had to forfeit their vehicles, and go to jail, your insurance costs would rapidly decrease.

[allsport]

That is until you are hit by a motorist who has no insurance and you have to pay all the costs.

[allsport]

As I was hit by a person who had no insurance in the car and the traffic person took an insurance number from her husband over the phone, I learned later that the insurance was fake and also that the police could care less. The address was fake on her drivers license and the police told me not their problem. If you are in an accident ask for a real cop, the traffic people know nothing. The woman should have been arrested at the accident. She got a ticket for following too closely and nothing for no insurance in the car. I heard the traffic person say, the ticket for no insurance in your car will cost you more. Thanks Lady Lake, that was horrible.

[mrlee]

I have been trying for years to lower my car insurance rates without any luck. No accident in 40 yrs, no speeding tickets or DWIs in over 50 yrs. As soon as you put in your Zip Code it tells the Ins. Co. what to charge you no matter what your driving record is. Higher age doesn't help your case either.

[billethkid]

Our experience is that as our vehicles age (while we get older) our premiums continue to go down......17 years experience as a resident of TV.

[Girlcopper]

Originally Posted by Cliff Fr

My brother who is 81 is paying $1200 per year for car insurance on an 8 year old Kia Soul. Does anyone know of a source for car insurance that doesn't surcharge older driver's? His premium took a big jump up when ge turned 80.
Thanks

Whats wrong with the cost? Im 66, no accidents, no citations, car is new and garaged n I pay about the same per year. Prices increase. Thats life. Either pay or start using the walking paths

[martysuki]

Dont get involved in an accident. My insurance doubled after getting rear ended with them. Would never use them again!

[Smarlow55]

I think I would keep that policy!

[giorgio1948]

Spoken with AAA?

[Annaq]

My husband and I are 82. I switched us to Allstate for homeowners and car insurance. We use our golf cart for just about everything and we don’t drive to the airport or cruise terminals or across country anymore. We pay by the mile for insurance. Allstate sent us a device we connected in the car which relays to them our mileage. I can’t tell you exactly how it works but they send us a notice every 3 months and charge us $135. Some how the cost of the mileage is subtracted from that. So far it has kept our insurance cheaper than it was before. My husband has dementia but had always taken care of insurance for car and home and golf cart and I am doing my best to learn this stuff. If you call an Allstate office I’m sure they can explain how this car insurance works. I did save over $2,000 dollars this year by switching all our insurance to Allstate. We had been carrying all our insurance with The Villages Insurance Co.

[DAVES]

Originally Posted by Cliff Fr

My brother who is 81 is paying $1200 per year for car insurance on an 8 year old Kia Soul. Does anyone know of a source for car insurance that doesn't surcharge older driver's? His premium took a big jump up when ge turned 80.
Thanks

A truly simple reply. As insurance price is based on an assessment of the risk. All insurance companies do not use the same assessment of the risk your brother presents.
I've read that a low credit score raises your rates. That seems crazy to me but when they crunch their numbers apparently as a group people who can't or don't pay bills on times tend to have more auto insurance claims.
There are many ways to reduce your insurance cost. You can raise your deductibles.
By doing so you are self insuring smaller losses. The value of your car actually has little effect unless you are driving a particularly expensive car, or one that has a history of being stolen. The risk to the insurance company, chance of crashing into say Warren Buffet or Bill Gates does not go down due to the fact that your car has lost value due to aging.
I would suggest getting other quotes for insurance. The price may be good or not.
You also want to research the company quality. A company can be cheaper it they, should there be a loss pay less than what they have promised or you think they promised. Book value? My car is older. It is garaged, little driven. There is no way I could replace it for book value.

[kappy]

When my insurance company wanted to raise my premium about 5 years ago, I switched to the Southern Insurance Group in Clermont, Fl. I deal with Garrett Johnson. I use them for both my homeowners and my auto coverage.

[Dot Rheinhardt]

I'm over 80. My ins. was high. I went to Progressive. They installed Snap Shot (may not be right name). Had this for 6 months. My ins. went down. I had a 10 year old car. Traded for new mini-van. Ins. went down again. Very pleased.

[stebooo]

Aren't you glad you asked