Reader’s Question:

My dad is turning 58 next month. When I check his car insurance bill, I was surprised to see how much he’s paying for his premiums. Is there a way that we could get cheap car insurance in Miami for him? Thanks a lot in advance!

Linda

Miami, FL

Yes Linda. There are ways to get cheap car insurance in Miami for your dad despite his age or him being a senior driver.

For one, you may want to consider getting a senior discount for him. The state of Florida mandates giving a senior car insurance discount for driver who are 55 years old and above. Your dad just needs to complete successfully an accident prevention course. Said course must be approved by the Florida Department of Highway Safety and Motor Vehicles. For your dad to qualify for this kind of discount, he must maintain a clean driving record after he had completed said course. His driving record must not reflect any kinds of traffic violations or accidents at all. For more information about this car insurance discount, you may check with the Association for the Advancement of Retired Persons (AARP).

Is your dad still working or has he retired? If he had retired then another thing that you can do to get cheap car insurance in Miami for your dad is for him to consider lowering his car insurance premiums by not including the coverage for his wage loss. However, before he does that, it’s important to think carefully on how this will affect the other members of your family.

For more information on how to get cheap car insurance in Miami, you may wish to ask your car insurance agent or the Florida Department of Financial Services