{"id":560,"date":"2019-01-21T09:00:35","date_gmt":"2019-01-21T09:00:35","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=560"},"modified":"2022-09-30T10:23:38","modified_gmt":"2022-09-30T10:23:38","slug":"senior-discount-auto-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/senior-discount-auto-insurance\/","title":{"rendered":"Can Older Adults Qualify for Discounts on Auto Insurance? [Must Read]"},"content":{"rendered":"

Los conductores de cierta edad siempre pagar\u00e1n menos por sus primas de seguro de auto en comparaci\u00f3n con sus hom\u00f3logos m\u00e1s j\u00f3venes. Esta es una pr\u00e1ctica generalizada de la industria que se aplica no solo en California sino tambi\u00e9n en Am\u00e9rica del Norte. En partes del pa\u00eds donde hay poblaciones m\u00e1s grandes de personas mayores, los conductores mayores tienen a\u00fan m\u00e1s probabilidades de obtener descuentos y tarifas m\u00e1s bajas como incentivos porque las compa\u00f1\u00edas de seguros no quieren perderlos como clientes. Por esta raz\u00f3n, las personas mayores pueden tener derecho a m\u00faltiples descuentos. Aqu\u00ed hay algunos otros aspectos de <\/span>seguro de auto San Diego<\/span><\/a> los conductores mayores pueden encontrar interesantes.<\/span><\/p>\n

Los descuentos para personas mayores se basan en la ciencia actuarial<\/h2>\n

Si bien los ejecutivos y suscriptores de seguros tienen la \u00faltima palabra sobre las tasas y descuentos de primas, sus decisiones se basan en informes e investigaciones realizadas por actuarios. Despu\u00e9s de que los conductores alcanzan la edad de 30 a\u00f1os, las tasas de seguro de autom\u00f3viles comienzan a disminuir porque los conductores tienen m\u00e1s a\u00f1os de experiencia de manejo y es menos probable que obtengan multas por exceso de velocidad. En cuanto a los accidentes de tr\u00e1nsito, su incidencia disminuye bruscamente entre los conductores mayores. Estos datos hacen que las compa\u00f1\u00edas de seguros est\u00e9n m\u00e1s ansiosas por recompensar a las personas mayores con primas m\u00e1s bajas.<\/span><\/p>\n

Descuentos como estrategia de marketing<\/h2>\n

A pesar de que las tarifas de seguro de autom\u00f3viles caen para las personas entre las edades de 30 y 60 a\u00f1os, muchas aseguradoras aumentan sus tarifas de primas para los conductores de 60 a\u00f1os o m\u00e1s. Una vez m\u00e1s, esto se basa en la investigaci\u00f3n actuarial, pero a menudo se compensa con descuentos. En pocas palabras, tiene sentido financiero para los ejecutivos de seguros retener a las personas mayores como titulares de p\u00f3lizas, y una estrategia a este respecto es comercializar productos con descuentos.<\/span><\/p>\n

El envejecimiento de los Estados Unidos<\/h2>\n

Los efectos de la demograf\u00eda cambiante y el envejecimiento de las poblaciones se est\u00e1n sintiendo en todo el pa\u00eds. Por ejemplo, en Tampa-St de Florida. \u00c1rea metropolitana de Petersburgo, la poblaci\u00f3n de personas mayores se acerca r\u00e1pidamente al 20 por ciento, y no es una regi\u00f3n amiga de los peatones. Es l\u00f3gico que los proveedores de seguros de autom\u00f3viles tengan mucho que ganar al atraer a los conductores mayores con descuentos. En el futuro, las tarifas premium pueden aumentar cuando m\u00e1s personas de la tercera edad a\u00fan est\u00e9n en la carretera, pero los descuentos tradicionales que comienzan a los 50 a\u00f1os no desaparecer\u00e1n. Cabe se\u00f1alar que las personas viven m\u00e1s y conducen m\u00e1s, lo que hace que el envejecimiento de la poblaci\u00f3n sea atractivo para las aseguradoras.<\/span><\/p>\n

Combinando Descuentos M\u00faltiples<\/h2>\n

Dado que es m\u00e1s probable que las personas mayores vivan con ingresos fijos, tiene mucho sentido que busquen descuentos, y ciertos clubes y organizaciones est\u00e1n dispuestos a ofrecer tarifas reducidas para los adultos mayores. Se sabe que las organizaciones de veteranos y los clubes de conducci\u00f3n, como la Asociaci\u00f3n de Autom\u00f3viles de Am\u00e9rica, se asocian con compa\u00f1\u00edas de seguros para ofrecer descuentos para personas mayores. Adem\u00e1s, la finalizaci\u00f3n de los cursos de manejo defensivo puede reducir a\u00fan m\u00e1s las tarifas premium. Los concesionarios de autom\u00f3viles tambi\u00e9n juegan un papel importante cuando ofrecen veh\u00edculos m\u00e1s seguros a los compradores de autom\u00f3viles de mayor edad, particularmente aquellos equipados con asistencia al conductor y tecnolog\u00eda antirrobo.<\/span><\/p>\n

One advantage of growing older is the increased availability of senior discounts, including reduced premiums for auto insurance. Drivers of all ages who are searching for <\/span>affordable auto insurance National City<\/span><\/a> should reach out to the experienced professionals at Altra Insurance Services. In addition to auto coverage, we offer a variety of insurance products, including motorcycle, homeowners, and seguro de negocios en San Diego<\/span><\/a>. Local residents can call one of our friendly agents today at (800) 719-9972 for a free quote.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Drivers of a certain age will always pay less for their auto insurance premiums when compared to their younger counterparts. This is a widespread industry practice that applies not only in California but also across North America. In parts of the country where there are larger populations of senior citizens, older drivers are even more … <\/p>\n

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