Do all automobile insurance companies raise your premiums when you reach 60 years of age?

Question

I have AARP insurance known as The Hartford and turned 60 in November of 2006. Upon my renewal in February of 2007, without any notice, my premium went up $166.00 a year. I have had no tickets or accidents and made no claims in the 10+ years of having this insurance. I thought AARP was designed for people over 50 years of age. When I called them, I was told that all insurances raise their premiums when people turn 60.

Answer 1

They lied to you. Some companies drop insurance rates when you are 60. Most companies look more at your driving record and claims rather than your age. After years of being an AARP member I will not renew this time because they no longer represent the people over 50.

Answer 2

Actually, some insurance companies lower your rates if you are retired, and have a good record, depending on age of course. 60 IS NOT OLD! A 60 YEAR OLD IS NOT A SENIOR CITIZEN! If you are still working, there should be no difference in rates at 60 from 59 if the vehicle, the use, and the driving record are all unchanged. Many companies look at 70, or 75 as being an older driver, even then, understand that many select seniors are less likely to speed, and their chances of seriously injuring other parties is less. Check some other companies, maybe there is something different in your jurisdiction. I do know that if I were doing your insurance, I would be wishing you happy birthday, not raising your rates, but, you do not live in my province, obviously.

Answer 3

Personal opinion.......AARP started out as a great idea, but the "services" they provide are not any real help. I think a lot of folks buy Hartford Insurance thru AARP based solely on the groups recommendation, but it is no bargain by any stretch of the imagination. Try the Auto club (AAA) for reasonable rates on car and home insurance.

I dropped out of AARP when they became more of a PAC than a rallying ground for seniors. They do NOT reflect my views on America, and their naming Harry Belafonte as one of their outstanding people is a slap in the face. They have become a huge cash cow for the left and I will NOT support them.

Answer 4

Most will increase your rates when you hit a certain age. Every company will have a different age at which they increase the premium. An older driver has a higher probability of getting into an accident. It's no different than charging a younger driver higher premiums. An older driver is going to see a change in premium but it is not going to be substantial.

Answer 5

Wouldn't that fall under "Age Discrimination" ? I think it does.