22 Discounts Seniors Didn’t Know They Could Get
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. You’ll be able to save money every time you find yourself reaching for your wallet or purse. Here is a list of 19 discounts seniors get only if they know to ask about them in 2018. Not only can you read about them here, you can click the links provided if you want to take advantage of these special discounts.
1. Negotiate A Better Mortgage Rate With HARP
If you’re a homeowner born before 1985 and you want to save yourself thousands of dollars this year, there’s a government program that you might be able to take advantage of called HARP.
The Home Affordable Refinance Plan (HARP) could help hundreds of thousands of Americans reduce their monthly payments by as much as $3,500 in their first year.
The program was set to expire in 2017 but has been extended to 2018 for the time being. In order to qualify for HARP you’ll need good or excellent credit,
so if you don’t have a very good credit rating then this probably isn’t for you. To check if you qualify visit HARP Approvals, and fill out the short quiz (take 2 minutes). If lowering your payments, paying off your mortgage faster, and having an extra $290 a month in HARP savings would help you, then this could be the easiest money savings tip you take.
2. Install A Home Alarm 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 homes without security systems are 2.5 times more likely to be targeted by burglars and intruders? But installing a home alarm system isn’t just to stop burglars and intruders, it can also save you big money year after year. A house alarm will save you money on your homeowners insurance policy (which is generally mandatory if you own a home).
In fact, on average installing a home alarm system will give homeowners a 10-20% discount on their insurance by having a high functioning home alarm system installed. The good news is that these home alarm companies are pretty desperate for customers at the moment so you can get a good deal. For instance, one of the best alarm system companies – ADT is currently offering over $800 in savings if you just pay the installation fee. That means you basically get a free alarm system for over a year, just by paying a $99 fee.
It’s also really important seniors 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.
3. Save On Cruise Deals
Carnival Cruises, Royal Caribbean, Costa Cruises, Cruise Direct, there are hundreds of amazing cruises at great prices to be found online.
Is there any better way to celebrate life than to venture out at sea? Cruises are wonderful with their all-inclusive travel options where you get to sit back, have a drink or two for free, soak up the midday sun and enjoy some high-class cuisine along with various live music performances.
Cruise lines offer a huge variety of discounts for senior citizens, and this includes some of the most well-known companies like Carnival Cruises and Royal Caribbean, offering exclusive deals to citizens over the age of 55. You will be able to get a cruise deal anywhere in the world, be it the Caribbean or even the icy Alaska. Keep in mind that not all cruises have discounts, so it is best to check with the specific cruise company.
4. 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.
In fact, there’s a new website that allows you to do just that – it’s called Best Quotes Auto Insurance. Once you fill out the form on their website they’ll provide you with multiple quotes you can choose from. If you’re still not satisfied, you can always call up the major car insurance companies and let them know you’re looking for better offers and that you’re a senior citizen.
5. Save On Groceries
Once you’ve used your senior discount at all of your favorite restaurants, you’ll need to buy some groceries. Lots of stores give a senior discount – you just need to ask.
- Farm Fresh – 5% discount Tuesdays and Thursdays (55+)
- Hy-Vee – depending on location will usually offer 5% discount on Tuesdays and Wednesdays (some stores set age to 65+)
- Publix – weekly discount on Wednesday depending on location (55+)
- Fred Meyer – 10% senior discount on the first Tuesday of every month
- New Seasons Market – 10% discount every Wednesday
- Compare Food Supermarket – 10% discount in participating locations, get in touch with your local store to find out more
- Piggly Wiggly – varying discounts at participating locations
- Fry’s Food – 10% discount on the first Wednesday of every month to all seniors with VIP card.
6. Save on Medical Costs
Healthcare is an essential part of human life, and the costs of doctors and the right treatments add up more and more as we age. Most retirees need to take some type of medication, so it’s only right that you should be getting the most out of your medical insurance.
By working with the best insurance company for your needs you can be sure to have the best coverage for the cheapest prices.
Some insurers will send seniors a discount card that you can show when paying for prescriptions. Just remember to check with your local pharmacy to see what discounts are available to you, because discounts might change depending on location.
Many seniors may be able to get extra benefits and don’t even know they’re available. You can also check if you are eligible to get vision, dental, hearing or prescription drug coverage included in your plan.
7. Get Paid To Take Online Surveys
Let’s face it, a lot of us have a bit of extra time on our hands after we retire. What if you could get paid a little bit of extra pocket money just for taking a few online surveys? Would you do it? There’s a new website called Vindale Research that allows you to do just that. You provide them with a bit of information about yourself and they’ll match you up with to surveys that you can complete for big brands. You then earn rewards and virtual points that you can redeem for Paypal or e-Giftcards. You won’t make a ton of money doing this, but it could help pay for a few things every month and it’s easy to do.
8. Save on Life Insurance
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 Life Story Insurance that will automatically use your information to find you the best life insurance policy for your needs at much lower prices.
9. Reduce Your Electricity Bill With Solar Panels
For Homeowners, rising monthly electricity costs can make you feel like you’re always living paycheck to paycheck. The good news is that now more than ever the government is offering subsidies to install solar panels. That means if you live in a sunny part of the United States, you may be able to qualify for a free installation, and it will significantly reduce your electricity costs in a matter of weeks.
In fact, some Americans have saved as much as $183 per month on their energy bills. If you’re not happy with solar panels, you can always wait until the new Tesla home Powerwall is ready and purchase that. If you’d like to get a quote on solar panels in your area – you can visit ModernCred and get an idea of how much money you can save by making the switch.
10. Go Shopping
Banana Republic, Kohl’s, Marshall’s and Stein Mart
You might be surprised to learn that a lot of trendy shops give a senior citizens discount. At Banana Republic, if you over 50-years old you can get a 10% discount at stores, simply by asking for it.
At Kohl’s on Wednesdays, over 60s can get 15% off. And on Tuesdays, outlet stores Marshall’s, Ross will offer up a 10% discount for seniors – though the exact age is determined by each store.
Walgreens hold a “Seniors Day” once a month too – which varies by location. Discounts of 20% are available for Rewards card members that are over 55 years old in store, and if you’re shopping online you can get a 10% price reduction.
If you are 62 or older, you can get a 10% discount every Tuesday and Wednesday at Dress Barn. And that’s not all, Stein Mart are treating over 55s with their clearance offer. On the first Monday of each month, you can get an extra 20% discount on clearance items. Goodwill gives 10%-20% discounts varying by store.
Just remember to check with the specific store in your area, as discounts might vary and change without notice.
11. 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 hour
- 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+)
12. Cut The Cord on Cable Forever
Millions of Senior Citizens are completely cutting the cord on their monthly cable costs, allowing them to save $100+ per month in unnecessary fees.
Many of them are switching to Netflix or Amazon Prime Video subscriptions, but there are also other ways you can get cable channels without needing to pay a monthly fee.
All your local news, weather, sitcoms, cooking shows, kid’s shows, sports and thousands of movies are available for free with an antenna.
In fact, most broadcast stations offer additional regional programming that's absolutely free. All you have to do is connect your EZ Digital TV antenna to your current TV's antenna jack (all TV's have them), then you can enjoy free broadcast TV.
If you find you’re not watching as much television as you used to, this could be the perfect solution for you and can save you a lot of money every month.
13. Hotel Rooms
If you want to settle down for the night someplace away from home you can be sure to get a discount at Marriott, Comfort Inn, Motel 6 and more.
Keep in mind that discounts may vary and change without notice.
- Marriott – 15% discount (62+). You can book online or call and ask for the senior discount
- Red Roof Inn – option of “senior rate” when you book online, may not be available for all locations
- Choice Hotels – 10% discount if you book in advance (60+)
- Hyatt Hotels – up to 50% off in participating locations. To qualify for this deal you have to make a reservation in advance and book for two people (60+)
- La Quinta – varying offers at participating locations (65+). Book online or call and ask for senior discounts
- Omni Hotels – varying offers at participating locations (55+)
- Motel 6 – 10% discount (60+). Call and book over the phone in order to get discount
- Wyndham Hotels – varying offers at participating locations (60+)
- Hampton Inns & Suites – 10% off when booked 72 hours in advance You can find more senior hotel discounts by using Booking.com to look for your next hotel room.
14. Take a Trip to the Movies
AMC Theaters, 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 Theater 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 Theaters and $2 off all evening shows at Celebration Cinemas. Fridley Theaters offer a Bargain Day every Tuesday for all ages – why not take the grand kids?
And at Marcus Theaters 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. Never Pay For Home Repairs Again
Many elderly homeowners don’t have the extra cash to shell out for repairs when something in the house breaks. You most likely have homeowners insurance right?
But what about if your washing machine of 10 years breaks down? Or your dryer just stops working one day? Homeowner insurance won’t cover those repairs. That’s why
getting setup with a Home Warranty Program can actually end up saving you a lot of money in the long run.
It will cover any unexpected repairs to your appliances, plumbing, water heaters, heating and other electrical systems. They also will replace anything that they can’t fix. Make sure you shop around for rates on a home warranty program – this website will give you quotes that you can then choose from. A home warranty program should be a minor cost that can end up saving you major money.
16. 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.
17. Tour Amusement Parks
Busch Gardens, SeaWorld Orlando, Disney Land & Dollywood
If you’re up for an adventure, you can use your discount at theme parks too. While your days of riding the rollercoaster might be over, there are still some other great attractions on offer.
Senior Pass Members at Busch Gardens in Tampa will get various discount offers all year round and SeaWorld Orlando will give you a $3 discount if you are over 50. LegoLand Florida gives seniors a $7 discount on entrance.
King’s Island offers seniors over the age of 62 various discounts as well You can also get a senior discount on one-day tickets and seasonal packages at Dolly Parton’s Tennessee-based park, Dollywood, that includes activities for all of the family.
18. 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 have more than $10,000 in debt, then this is something you should do right away. You can get the best quote to consolidate all your unsecured debt by clicking the link below.
19. Get A Cheaper Cell Phone Plan
Mobile phones are for senior citizens too, and you’d bet you can get a good deal on one.
Keep in mind that deals may vary and can change without notice.
- AT&T – plan for over 65s that costs $29.99 per month. You’ll get 200 anytime minutes, and 500 for evenings and weekends.
- GreatCall – a senior plan for $14.99. However they do have various additional fees, so expect to pay a little bit more. The plan offers health and safety tools, which include 24/7 access to urgent care, medication and refill reminders, daily automated calls to check in with you and much more. This plan works best with a Jitterbug phone, which is especially easy and comfortable to use.
- T-Mobile – plan for $60 a month for seniors 55+, which gives you 2 lines with unlimited talk, text and LTE data.
- Verizon Nationwide – 65 Plus Plan where you can get a plan for $29.99 that includes 200 minutes and unlimited text messaging, it also comes with 2GB of internet so you can browse your favorite websites from your phone. Keep in mind, however, that this plan is not available for new Verizon customers.
- Consumer Cellular – a plan that includes unlimited talk for $30.
- FreedomPop.com – FreedomPop is a 100% FREE Mobile Phone & High Speed Internet Service. Basic cellular plans are completely FREE!
20. Travel On Public Transit For Less
Amtrak, Trailways, Greyhound, National Rent A Car
This one is no secret. Many bus and train operators offer discounts for seniors. Rail service, Amtrak will give over 62s a 15% discount on tickets, and Greyhound will save you 5%. 65-years old and over can score 10% with Trailways.
Sixt automatically applies a discount if you book online. Hertz offers exclusive car deals for those over the age of 50.
Keep in mind that some discounts may vary and can change without notice.
21. Take Advantage Of Flight Discounts
Southwest Airlines, United Airlines, Silver Wings Plus
If you are thinking of traveling somewhere further from home you might need to know that you can get senior discounts from airlines too. Southwest Airlines will charge retirees at cheaper senior rates, just show proof of age when you are booking.
United Airlines will also give a senior discount to those aged 65 and over and you can save even more if you are part of the Silver Wings Plus program. Continental also offers senior discounts on select routes, and you can get senior fares from American Airlines if you contact them by phone.
22. Get A Reverse Mortgage
Now although a reverse mortgage is available to older homeowners, it’s still a loan and should be looked at as such. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home. Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. This could be a great option for you if you have a lot of home equity built up, but need some extra money to live during your retirement years. Many retirees have worked hard all their lives and have most of their money tied up in their homes but don’t want to sell because they enjoy the area they live in. That’s where a reverse mortgage can be particularly useful. You can visit ModernCred to learn more information.