7 Discounts Seniors Did Not Know They Could Get


In today’s world, your dollar doesn’t go nearly as far as it once did. To make matters worse, the people who are hit the hardest in today’s economy are seniors who are usually on a strict budget. Fortunately, there are some little-known tricks to save seniors a lot of money and even try out new products before buying them.

Most people are aware of the discounts you can get in person (movie tickets, restaurant discounts, etc) – but there are also a shocking number of deals you can only get online, in the comfort of your own home! For example, many seniors were surprised to learn they could save up to $4,264 per year on their mortgage by applying online for a little known government program (don’t worry, we go into detail below).

To help you get started, we’ve researched some of the best senior discounts available, and provide all the details for each. Use this guide to see how much you could save!


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 in 2009, was intended to help middle class seniors in the U.S. reduce their monthly payments by as much as $4,264 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 aren’t too thrilled about losing all that profit – and might secretly hope homeowners don’t find out before time runs out. So take advantage of HARP now and save up to $4,264 each year before the program expires.


Stepping into retirement, and surviving on a fixed income can be very challenging. Especially if you, like a majority of Americans, are struggling with credit card debt. Still unknown to many, there is a brilliant debt relief program that offers a potential way out of your nightmare debt cycle. The Credit Consultants at Freedom Debt Relief negotiate with your creditors to get them to settle for LESS than what you owe – without forcing you to take out a loan. Millions of seniors have used this proven program to reduce their credit card payments by as much as 15-35% per month. 

If you are a senior and you owe more than $10,000 in debt, this is hands-down the smartest way to pay off your credit card debt. It only takes a few minutes to get a free, no obligation quote online. If lowering your monthly payments, and paying off your debt faster, is important to you, then it is vital you act now!


You might think you’re already paying a low auto insurance rate, but recent research shows that only 7% of Americans over the age of 55 are paying less than $35 per month for car insurance. If you’re currently paying more than $35 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 – and let them compete for your business. Depending on your age and driving history, you could get a huge discount on car insurance. With Solid Quote, you simply enter your zip code and provide some basic information, 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 car insurance company.


New policies are indicating that for years, many seniors have likely overpaid on their life insurance policy. The simple truth is that your life insurance company doesn’t want you to find out about this. Did you know, if you live in a qualified zip code you could get an extremely high discount? In addition, depending on your age, you could get even higher discounts. Has your insurance agent ever told you that? Likely, no.

Unfortunately, as our age increases so do our premiums for life insurance. In fact, the average premium amount rises 8-10% for every year of age. The best way to get the cheapest life insurance policy possible is to compare quotes from multiple carriers, but this can be VERY time consuming. Luckily, there’s a new website called Mutual Term Life that will automatically use your information to find you the best life insurance policy at a much lower cost than what you’re currently paying.


If you’ve ever felt taken advantage of by a dishonest mechanic (who hasn’t?) this amazing new device could be the solution to your problem. FIXD instantly tells you why your ‘Check Engine Light’ is on, how severe it is, and how much the repair should cost (all in simple and easy to understand terms) – leaving shady mechanics in the dust – no longer able to rip you off!

We understand car mechanics need to make money too, but many seasoned mechanics can be a little too willing to tell you something NEEDs to be fixed, especially when dealing with women and the elderly.

This device is incredibly easy to use, even for people who aren’t good with technology. For a limited time, seniors who buy one will receive a second one 50% off. This revolutionary device is the perfect gift for any loved one you want to protect from getting ripped off by greedy mechanics. This company is so confident in their product, they’re offering a 30 day money-back guarantee.


Unfortunately, a majority of Americans (seniors included) are not aware that most insurance agents receive 90% of their yearly income from commission. This means that their #1 goal is to sell you the most expensive homeowners insurance plan — to increase their paycheck — regardless of what you actually need. It’s sad, but it’s true in many cases. Luckily, new online services have been created to provide seniors with the most affordable (and honest) coverage.

With average savings of 32%, these online services are gaining massive popularity. One of the most trusted, secure and effective free online options to check your discounts is Insure Square. Over 1.2 million U.S. homeowners ages 55+ have already used Insure Square to get significant discounts.


If you’ve stayed at a hotel recently, then you know just how expensive they can be. Thankfully, most of the major hotel brands offer significant discounts to seniors. Here is a list of a few of the most popular hotel chains, along with the associated discounts.

*Marriott – 15% discount (62+)
*Hyatt Hotels – up to 50% off in participating locations (60+). To qualify for this deal you must book in advance.
*Hampton Inns & Suites – 10% off when booked more than 72 hours in advance.
*La Quinta – varying offers at participating locations for guests 65+

You can find more senior hotel discounts by using Booking.com to plan your next trip. Please keep in mind, discounts may vary and can change without notice.

Dale Cooper

Dale Cooper

Spent 10+ years in corporate finance before I realized how much more I enjoyed writing and advising people on how to achieve financial freedom. We all have different goals, what are yours?

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