Personal & Auto Insurance
- Am I retired or working less than full-time?
- Do I drive fewer than 7,500–10,000 miles per year?
- Is my driving record clean (no accidents or violations in the past 3–5 years)?
- Have I completed a senior or defensive driving course?
- Am I over the age threshold for “mature driver” discounts in my state?
- Do I have more than one policy (home, renters, umbrella) I could bundle?
- Is there a telematics or usage-based program I could try for a potential discount?
Homeowners or Renters Insurance
- Am I retired and home most of the time (lower risk of theft/fire)?
- Do I have a working home security system (camera, alarm, or monitored service)?
- Have I updated my roof, plumbing, electrical, or HVAC in the last 10 years?
- Have I avoided any claims in the last 5–10 years?
- Have I been with this insurer for more than 3–5 years?
- Am I a member of any senior organizations (AARP, retired teachers, etc.)?
Sample Script to Use With Insurance Agent
Use this whether you're calling, visiting, or sending a message online.
Start with a warm, clear opener: “Hi there — I’m reviewing my budget now that I’m retired, and I wanted to check if I’m getting all the discounts I qualify for on my [auto/home] insurance.”
Then list relevant changes or qualifications: “I’m [your age], I drive under [your mileage] per year, and I’ve never filed a claim. I also recently took a defensive driving course and added a security system to my home.”
Ask directly for discounts: “Are there any senior, retiree, or safety-related discounts I might be missing out on? I’ve heard there may be low mileage or claim-free discounts, too.”
Bonus: Ask about bundling or reassessing your policy: “Would it help to bundle my auto and home coverage with you? And is now a good time to review my coverage and see if there are better options?”
Close graciously: “Thanks for your help — I just want to make sure I’m not overpaying for coverage I’ve worked hard to keep.”
Disclaimer: This article and the accompanying checklist are for informational purposes only and do not constitute financial, legal, or insurance advice. Insurance discounts, availability, and qualifications vary by provider and state. Always consult directly with your insurance agent or company to confirm eligibility and coverage details. Smart Senior Daily does not endorse any specific insurer or policy.
