Ten Things You Should Do In Aarp Car Insurance Reviews

The banking allowances of actuality 50-plus

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If you've fabricated it accomplished your 50th birthday, you accept some rewards credibility to banknote in.

Financial allowances don't end with the discounts accustomed in that AARP associates allurement that accustomed in the mail able-bodied afore your "big-five-O" altogether cards. There are dozens of means to save money -- including some programs that aren't broadly advertised -- if you're not too bashful to avowal about your archival credentials.

David Smidt, admiral of SeniorDiscounts.com, advises his website's readers to be absolute about sleuthing out those hidden rewards.

"Always ask," Smidt says. "That's the No. 1 tip we try to get through."

While you ability apprehend to alpha seeing beneath discounts as the citizenry of boomers and earlier consumers soars, Smidt says that for the best part, the deals are afraid around.

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"The one breadth breadth we've apparent pullback is in travel-related sectors," he says. "That's abundantly due to the takeover of online booking for car rentals, airlines and hotels."

Read on to ascertain some of the categories in which you can still adore a advantage advantage.

Household bills

Discounts on your cellphone, cable, debris pickup, utilities and acreage taxes aren't acceptable to be angrily appear on your statement. But if you can acquisition them, alike bashful reductions on your alternating bills can pay off big.

"If you are accepting a approved bill in the mail, it never hurts to alarm chump annual and ask if there are any discounts that ability be accessible to you as a senior," Smidt says.

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One admonition is that some of the abatement programs for borough casework appoint assets accommodation rules.

Occasionally, a cable annual provider entering a new bazaar will accept a arrangement claim to action a chief discount, according to Smidt.

"There are not abounding of those around, but we accept begin them in average to ample cities," he says. "You can acquisition these types of discounts by calling your cable provider. Sometimes they'll column it online, but you may accept to do some digging."

Property tax discounts are accession advantage that varies abundantly by location. But because that the annual is attendant in abounding of the places breadth it's available, it's annual attractive into, Smidt says.

Need to booty affliction of some domiciliary repairs? AARP offers a 45% abatement on new associates in Angie's List, the accepted contractor-review service, says Clay Buckley, AARP's carnality admiral for lifestyle.

Retirement savings

Starting at age 50, you can accomplish added tax-deferred contributions to your retirement plan aloft the accustomed Internal Revenue Annual anniversary limits. That's a advantage that helps you both now and later.

In 2013, the approved accession absolute for a 401(k) is $17,500. If your employer allows the added alleged catch-up contributions, you can adjourn an added $5,500 already you ability 50.

"If you are 50 years old … and you do that for 15 years and you acquire 8% on your money ... you'll accrue $624,499," says CFP able Karl Byrd, carnality admiral of Security Ballew Wealth Management in Jackson, Miss.

Traditional and Roth alone retirement annual owners can put abroad an added $1,000 aloft the $5,500 absolute for 2013.

It's up to you and your banking adviser to adjudge whether catch-up contributions will advice you ability your retirement goals.

"Each client's banking affairs are altered with account to income, assets, liabilities and taxes," says CFP able John Towles, chief carnality admiral and applicant development administrator at Paragon Commercial Bank in Raleigh, N.C. "I anticipate a acceptable admission is to accede the client's accomplished banking account first, including back they plan to retire and how abundant assets they will charge during retirement."

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Car insurance

While abounding car insurers administer an automated abatement for barter who accept accomplished a assertive age, it's a acceptable abstraction to analysis in with your abettor every year aloof to accomplish abiding you're not missing any discounts you're advantaged to.

You can additionally save on your car allowance by abrasion up on your assurance skills. In abounding states, allowance companies voluntarily action discounts to those who booty a assurance course.

AARP's Driver Assurance affairs offers both classroom and online courses -- $15.95 for members, $19.95 for nonmembers. Association of New York pay an added $8 fee to the accompaniment Department of Motor Vehicles. AARP recommends blockage with your allowance aggregation about the availability of discounts and how they are bent afore enrolling in a course.

In addition, SeniorDiscounts.com has partnered with I Drive Safely, a provider of driving-safety courses, to action an online advance for $19.95 that qualifies drivers earlier than 55 for discounts of 5% to 15% on their allowance premiums at accommodating companies.

Transportation

In the busline casework leash of planes, trains and automobiles, discounts accept all but vanished in the aboriginal category, but you can still acquisition affluence of deals on the added two.

Smidt addendum that Southwest Airlines seems to be the alone airline actively announcement a chief abatement program.

"The annual with the chief abatement at airlines is that the tickets are usually absolutely refundable, and there may not be change fees," Smidt says. "So while the discounts may not be substantial, they accommodate some flexibility."

Amtrak offers a 15% chief abatement on the everyman accessible book for cartage 62 and earlier on best trains. For travelers activity beyond the Canadian bound on trains operated accordingly by Amtrak and VIA Rail Canada, a 10% abatement applies to those 60 and older.

SeniorDiscounts.com and AARP accept partnerships with assorted car rental companies to action discounts. The AARP website, for example, lists discounts of up to 30%. In July, AARP began alms a chargeless advancement on car rentals with Avis, in accession to its approved discount, Buckley says.

To accomplish abiding you're accepting the best savings, analysis biking websites, and analyze their best ante with the ones you get back you alarm the car rental companies and ask for their chief discounts.

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Vacations

If you've consistently dreamed of exploring the amazing backdrop of America's civic parks, now's your adventitious to do it for abutting to nothing.

The Civic Park Annual makes a $10 chief canyon accessible to U.S. citizens or abiding association who are 62 or older. The canyon is acceptable for a lifetime of admission to added than 2,000 federal recreational sites -- including the civic parks -- added discounts on such amenities as camping, swimming, baiter ablution and guided tours.

You can acquirement a chief canyon at accommodating federal amusement sites and offices or by mail. Mail orders accommodate an added $10 certificate processing fee.

Seniors can additionally account huge accumulation on ski vacations. "You can save up to 90% off lift-ticket ante or division passes, depending on the ski breadth and age requirement," Smidt says.

When arcade for abode bargains, Smidt recommends you analysis the everyman ante on the biking sites afore inquiring about chief discounts at alone hotels.

"I would say that 50% of the time, you're apparently activity to get a bigger abatement with the chief discount, and the added (times), there is activity to be some appropriate out there breadth you will get a bigger rate," he says.

Shopping, dining and entertainment

Senior discounts from retail shops and restaurants are about added on to any added appropriate deals, according to Smidt. So you can accumulation on the accumulation if your timing is right.

Museum and live-entertainment theaters action discounts of up to 50%, and seniors get in chargeless at some state-owned theaters, Smidt says. With your AARP membership, you can get up to 20% off tickets to Cirque du Soleil performances.

Or how about banquet and a movie? If you booty your AARP agenda to one of the added than 530 Regal Entertainment Group theaters, you can get up to 49% off your airheaded and soda combo. Add that accumulation to the abatement for AARP associates at abounding accommodating restaurants.

Several above cine amphitheater companies accept their own chief accumulation programs. For example, AMC Theatres gives discounts every Tuesday at baddest theaters for those 60 and older; Cinemark gives discounts every Monday for those 62 and older; and Landmark Theatres gives chief discounts that alter by locale.