There are many special discounts that are available to seniors. Retirees are offered discounts at most retailers, restaurants, parks, on public transport and at hotels. But you won’t get these discounts unless YOU ASK for them. Simply ask the question, “Do you offer a senior discount?” and see how much you can save.
For each discount you can get in person, there's also another one that you can only get online. Many seniors were surprised by the savings they could get--up to $60001--by using online discounts and taking advantage of lesser-known government programs. Are you ready? Here's the the best and most comprehensive list for 2018.
1. Get A Lower Auto Insurance Rate
You might think you’re already paying a low auto insurance rate, but recent research shows that only 5% of Americans over the age of 55 are paying less than $50 per month for car insurance. If you’re currently paying more than $50 per month, and have had no accidents or tickets in the past two years, you can probably secure a much lower car insurance rate. The best way to do that is to compare quotes from multiple insurers – let them compete for your business.
Depending on your age and other factors, you could get a huge discount on car insurance. With Best Quotes Auto Insurance, you fill out a simple form and they’ll provide you with multiple quotes you can choose from. At the very least, you can use the offers and information they give you as leverage when negotiating with your current care insurance company.
2. Save Up to 70% on Life Insurance1
Unfortunately, as our age increases so do our premiums for life insurance. In fact, typically the premium amount rises 8-10% for every year of age. For senior citizens, rising life insurance policy costs can add up significantly.
Many senior citizens also have a hard time qualifying for a new policy once they reach a certain age. The best way to get the cheapest life insurance policy possible is to compare quotes from multiple carriers in much the same way you would do with car insurance, or cell phone plans. Luckily, there’s a new website called LifeInsurance.net that will automatically use your information to find you the best life insurance policy for your needs at much lower prices.
3. Find Sophisticated 50+ Singles in Sugar Land - Register for Free
This one's for those of you ladies and gents who've lost your life partner or are tired of being alone. The hardest part of finding someone to share your life with is having a safe place for meeting that someone. Don't be afraid to put yourself out there. It's easier now than ever to meet someone online and SeniorPeopleMeet.com is offering a free trial membership so you can take a peek at who is out there for you.
If you're over 50 and single, take this as an opportunity to meet like-minded people who are commited to finding someone they truly want to spend their life with. Do this for yourself and for your kids who just want you to be happy.
4. Consolidate All Your Existing Debt Into One Simple Payment
Stepping into retirement can be pretty daunting. Doing it with existing unsecured debts can make it even more of a challenge. Debt consolidation is the process of combining all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. The likelihood in these circumstances of reducing interest rates is very high, and there are many firms out there who will walk you through the process making it simple and painless.
If you owe more than $10,000 in debt, there is a proven debt relief program made available for seniors by Freedom Debt Relief that can not only consolidate your loans, but also reduce the amount of money you owe.
5. ADT is offering Seniors an $850+ Discount on a Home Security System
This money saving idea is also for senior homeowners, so if you’re a renter you can skip this one.
Did you know that a home without a home security system is three times more likely to be broken into than a home with a security system. While installing a home alarm system isn’t just to stop burglars and intruders, it may also save you big money year after year. A house alarm may save you money on your homeowners insurance policy (which is generally mandatory if you own a home). It's also really important for seniors to have a high functioning alarm system installed so that they can get medical aid in the case of a life threatening emergency, especially for those who live alone.
In fact, installing a home alarm system may give homeowners a 10-20% discount on their insurance. ADT is currently offering over $850 in security equipment if you just pay the installation fee of $99 and sign up for a 24 or 36 monthly monitoring contract.
6. Use HARP – Let The Government Pay For Your Mortgage
If you’re a senior homeowner you could save yourself thousands of dollars each year by taking advantage of the government program called HARP. The Home Affordable Refinance Plan (HARP), passed by Obama, was intended to help middle class seniors in the US reduce their monthly payments by as much as $4,2641 per year. The program was set to expire in 2017 but has been extended to 2018 for the time being.
You can bet the banks are not happy about having to give this money out, so take advantage of HARP now and save up to $4,264 each year1 before the program ends.
7. Eating Out
If you don’t feel like cooking be sure to turn to these places for good senior dining deals. From fast food to steak restaurants, our compiled restaurant list will definitely help you make your choice.
Keep in mind that deals may vary at participating locations and can change without notice.
■ McDonald’s: discounts on coffee and beverages (55+)
■ Whataburger: free drink with purchase of a meal, depending on location (55+)
■ Wendy’s: give free coffee or other discounts depending on location
■ Piccadilly Cafeteria – 10% discount with “Prime Time for Seniors” card
■ IHOP – 10% discount (55+) and a menu for people aged 55 and over at participating locations
■ Golden Corral: Senior discount varies by location
■ Krispy Kreme Senior Discount: 10% off (50+) (age and discount varies depending on location)
■ Perkins Restaurants: Fifty-Five Plus menu Offers special deals (55+)
■ Subway: 10% off (60+) varies by location
■ The Old Spaghetti Factory: Spaghetti Factory “Senior Menu” offers discounted list of menu items
■ Uno Pizzaria & Grill: “Double Nickel Club” 25% off on Wednesday (55+)
■ Sizzler: Offers “Honored Guest Menu” (60+) varies by location
■ Papa John’s Senior Discount: check with your local stores (no standard senior discount policy)
■ Old Country Buffet: Daily discounts for seniors (55+)
■ Friendly’s Restaurants: 10% off meal w/ free coffee at breakfast or free small sunday during non-breakfast hours
■ Fazoli’s: Join “Club 62” for special senior menu items (62+)
■ KFC: free small drink with any meal depending on location (55+)
■ Country Kitchen: Great Senior Menu (55+)
■ Burger King: 10% discount on purchase depending on location (60+)
8. Keep Your Family Safe with the Pocket Guardian Personal Alarm
Inspired by the Military, the Pocket Guardian uses ear piercing sound (over 130 decibels) to deter bad guys and is quickly becoming one of the most sought after safety devices in America.
It will most likely be on every kid’s keychains or backpacks by the end of the year, but it should also be carried by every woman in America. With over 100,000 units sold in 2017 alone, this product makes our 2017 viral gadgets list!
But the Pocket Guardian isn’t just to help protect you, your kids and your grandkids from an attack. It can also be used as a life saving device to call for help if you’re having a heart attack or have some other health condition that can prevent you from yelling for help.
Don’t let your worst nightmare become your reality. Safety doesn’t happen by accident. Purchase a personal alarm for yourself, for your child, or for a loved one. The keychain design is perfect for use with house keys or car keys. It can also be attached to a backpack or a purse. Right now, the Pocket Guardian can be purchased for 50% OFF!
10. Stop Paying For Cable/TV Every Month
With more and more people switching to subscriptions like Netflix and Hulu, it doesn't really make sense to pay a big cable fee each month anymore. Comcast, for instance, charges the same fee as a full Netflix subscription just to get basic/local channels and 50+ single program channels that nobody actually watches. But there's an even better solution to switching to an online network subscription--use a SkyWireTV Antenna.
Once you use SkyWireTV, you'll wonder why you've been paying for cable all these years. Most broadcast stations offer additional regional programming, absolutely free--and SkyWireTV let's you watch all of those channels in High-Def 1080p. The device attaches to the antenna jack of any TV and can receive broadcast signals from up to 30 miles away. On top of having access to so many channels for free, you'll find that it takes less time setting up your antenna than it does trying to call and cancel your cable service. Plug it into your tv and forget about it!
11. NightGuide Driving Glasses
If you've driven at night, you know how quickly fatigue builds up and your eyes start straining from everything being harder to see and the glare of all the other lights on the road. Seniors, especially, have trouble seeing properly at night because the cones and rods in our eyes lose function as we age. Wearing NightGuide HD Glasses is the best way to avoid accidents and also feel more comfortable driving in low light conditions. The lenses are polarized and will reduce the glare from all sources of light--AND they're designed to be worn over glasses if you already wear glasses.
12. Seniors Can Get Health Insurance For $9/month1
Health insurance is now available to more Americans than ever before. Subsidized options are easily available to low-income individuals and families. In the past, many people took the risk of not being insured, but with the Affordable Care Act (ACA) you can be fined if you don't have qualified health care insurance.
Instead of paying a fine, people who have not been able to afford insurance before are looking for affordable medical insurance options. Whether you have low, mid, or high income, you could greatly reduce your health insurance by using HealthInsurance.net to compare policies and prices, and find what's best for you.
13. Get A Free Portable Oxygen Concentrator
The INOGEN ONE portable oxygen concentrator is designed to provided unparalleled freedom for oxygen therapy users. Traditional oxygen tanks require tank refills and it is always a hassle to get you oxygen where and when you need it. If you travel or just want to be free to go anywhere with your oxygen, Inogen is a great one-stop companion that is covered by Medicare and many Insurance companies.
14. Take a Trip to the Movies
AMC Theatres, Regal Cinemas, Alamo Drafthouse Cinemas & CineMagic
It’s lovely to visit the cinema every so often. Lots of theaters offer a senior discount too. AMC Theaters offer a generous 30% discount to over 60s. While Regal Cinemas are going one better and will give you 35% off if you are 60 and over. With the money you’re saving you can treat the grandchildren and get a bag of candies to eat while you all enjoy the movie.
Georgia Theatre Company offer varying senior discounts, depending on location and showtime, so be sure to visit their website for more information. If you’re over 60, you can get into weekday shows before 2pm for $6 at Alamo Drafthouse Cinemas, get $1 or $2 off at B&B Theatres and $2 off all evening shows at Celebration Cinemas. Fridley Theatres offer a Bargain Day every Tuesday for all ages – why not take the grandkids?
And at Marcus Theatres seniors can watch matinees for just $5 on Fridays before 5:30 p.m. Showcase Cinemas offer discounted ticket price on Senior Wednesdays at all locations (except Showcase Superlux), and various discounts for popcorn and a soda. If you’re over 65, you can get a discount of between 10%-25% off your ticket price at CineMagic.
15. Tour National Parks
Yosemite, Yellowstone, The Grand Canyon, Zion, The Everglades & More
With this amazing perk, over 62s can use their age advantage to score a serious discount at America’s National Parks.
It’s time to tour Yellowstone, senior citizens, you can get an annual pass for just $20 and a lifetime pass for $80. This pass gives seniors access to all 2,000 federal recreation sites, including National Forests and grasslands. You’ll be able to visit all of America’s parks through-out your retirement.
The cost of the pass covers your entrance-fee, camping, usage fees for a driver and all passengers. You can take the grandkids camping for free whenever you like. Enjoy wildlife, gorgeous scenery and some well-earned peace and quiet.
16. Born Before 1965? Claim Your Free 72 Hour Survival Food Kit
This special promotion is currently available to anyone born before 1965. With floods, tornadoes, and other natural disasters on the rise, Lindon Foods decided that they wanted every senior citizen to have access to their survival food kits. That’s why they currently have a special promotion for American citizens to get a free 72 hour survival food kit (just pay the S&H fee).
They source most of their raw ingredients from the “fresh produce” category – picture the delicious veggies you find in season at your local farmer’s market. No harmful chemicals, no GMOs and no added MSG.
They also combine their top-quality ingredients using prize-winning recipes so that they’re loaded with flavor. Many of their recipes have won independent taste tests. We recommend giving them a try and taking advantage of this special offer.
Bonus Tip #1. Never Pay For Covered Repairs
One of the scariest things about home ownership is that you never know if and when things will go wrong in your home. This is why it’s important to have a home warranty.
Not only will a home warranty save you money, but it protects you when a covered appliance or system breaks down. Choice Home Warranty offers protection when something in your home breaks down beyond repair.
CHW offers warranties on a number of appliances and systems, such as air conditioning, refrigerators, dishwashers, dryers, ovens, and more. CHW’s claims hotline is available 24/7, and once a claim is filed, a local, trusted technician is sent to service it. Prepare for the unexpected with a home warranty.
Bonus Tip #2. Get A Walk In Tub At A Big Discount
Walk-in tubs are designed to satisfy the needs of seniors, the disabled, handicapped or anyone with mobility challenges. Statistics say that falls occur in your bathroom more often than in any other room in your house. The Center for Disease Control tells us that two-thirds of bathroom injuries happen near your tub or shower. Usually they happen when you step over your tub wall, or slip on a wet floor, or when you lean on a glass door that wasn’t designed to support your weight. It’s another fact of life that these bathroom injuries increase significantly after you turn 65. This is often when your eyesight starts to fade, and you have less mobility and balance. The bottom line? One in three adults over 65 experience falls each year. Right now, many Walk-in Tub manufacturers are offering big discounts to seniors. You can get a free quote on a Walk-in Tub by visiting this website.