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American Society on Aging

Thursday, October 13, 2005

Senior Special Section: Car insurance can be very costly, and as one gets older, rates may go up. This week we are bringing you information on how to save on your automobile insurance.

SeniorDiscounts Card News: Members and Businesses look for our special fall newsletter next week. Also, to thank you for reading our newsletter every week, our newsletter subscribers can receive the SeniorDiscounts Card at the discounted $19.95 rate. Enter the promotional code "sdcard01" during check out. For more information on becoming a member of the SeniorDiscounts Card program, click here.

Senior Discounts Section: We have highlighted SeniorDiscounts Card Member discounts available on bed and breakfasts, furniture and home services.

Challenge Section: We have a winner this week for the Add a Discount challenge and have begun a new challenge for another $100. We also have some other ways in which you can earn a reward from SeniorDiscounts. Check out our Challenge Section below for the winner and more details.




If you like tell others about and this Newsletter, click here.



If you are interested in helping us spread the word about SeniorDiscounts Card and would like to become a representative, please contact us. Click here.





Louise, from Mt Dora, FL tells us that Hunts End Restaurant
offers a 20% discount on its Seafood Buffet every Friday to people 60 and older.

Nesta, from San Diego, CA tells us that Elam's Hallmark
provides a discount of 10% on all purchases every Tuesday to people 50 years of age and older.

Connie of Portland, OR informs us that at Burgerville USA, people 55 and older receive a 10% discount.

Thanks for all of your submissions.

Let us know about senior discounts,
click here
You could win $100.

Auto Insurance

This is a topic we have not touched on before, but with gas prices so high, we are looking into other ways you can save with your automobile. Most car insurance companies provide discounts for people over 50. Typically your rate should go down automatically when you reach this age, but did you know it may go up again in your sixties?

According to insurance companies, drivers in their fifties should see some decrease in their rates, although it may not be automatic. Auto insurance agents should be reviewing your policy on a regular basis to see if there any discounts or other benefits that may be available to you. If you have not reviewed your policy in some time, inquire with your current provider to see if they offer any mature discounts. Most of the auto insurance agencies we researched provided a 5%-10% discount at the age of 50 or 55.

As drivers get older, into their sixties and seventies, they may start to see their rates go up again. This is a good time to see if there are any drivers' programs you may be able to take advantage of to get a lower rate.

There are now many defensive driving courses available to the older driver and they could reduce the amount you pay for your insurance. These classes are now available in most states and cost between $10 and $25 for a two-day (eight hour) course. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily. Insurance companies will typically provide a 10% discount on car insurance for a three year period upon completion of one of these courses, but check with your provider before you sign on.

Mature driving courses are available through local and state agencies as well as AAA and AARP. You can also check with your insurance agent to see what courses may be available to you.

There are also auto insurance discounts available for retired individuals. If you are retired and are not employed full time, you may be eligible for a discount of up to 5% off your car insurance. Age requirements for this type of discount vary by state and insurance carrier. You could also save on Personal Injury Protection (PIP) coverage. Some companies will provide a discount if a minimum amount of the driving mileage is by anyone over a specified age.

Be careful on the roads out there. The best way to keep your rates down is to avoid citations and accidents.


Dance, Fun, Cruise
Have you always wanted to be in a pageant? Enter the Ms. International Pageant, a Talent Competition, Cruise and Dance Workshop for all talented adults 21 and over. Now in its 14th year, you can compete with other dancers, singers, musicians, comedians, etc. from all over the world. The pageant requires no talent, just lots of fun and personality.
Set sail January 8th, 2006 for 7 days to the Eastern Caribbean aboard the all new "Costa Magica". It offers excellent rates and in addition for a short time is offering a $100 discount. Other incentives may be available. You may visit the web site at For cruise information call Claudine at 800-860-8858 or for competition information call Nian at 602-996-1017.

  This week we are bringing you some of the discounts available in our SeniorDiscounts Card program. The following discounts and over 125,000 more can be found at Included in each listing is the phone number, address, map of the location and more. Remember - we add more discounts every week.  

Do you know of a senior discount that we don't? Tell us and you could win $100.
Click Here

  Pristine Cleaning & Errand Service
  Located in Providence, RI, Pristine Cleaning & Errand Service offers cleaning & errand services to the elderly. Each customer receives a free, no obligation Services-Needed analysis for Transportation, Shopping, Errands, Laundry, and other services. SeniorDiscounts Card Members receive a referral discount of up to 20%, and a discount on weekly cleaning up to 10%. A bi-weekly or monthly discount of 5% and transportation & errand discounts are also available.
Click here for more details about this discount. Search our Local Services category.
  Harkey House Bed and Breakfast Inn  
  Elegant Victorian design residence located in Yuba city, CA. Reflects historical charm and is walking distance to restaurants, Feather River, and antique stores. Golfing, hiking, fishing and the Sutter Buttes are also nearby. SeniorDiscounts Card Members stay two nights and the second night is discounted 25%. Stay three nights and the third night is discounted 50%. Save 10% all year for a one night stay.
Click here for more details about this discount. Search our Lodging category.
  Stonehouse Inn
  A beautiful bed and breakfast in Carmel-by-the-Sea, CA. Serves a full home-made breakfast and is within walking distance to the ocean and to the downtown area. SeniorDiscounts Card Members receive 30% off Sunday through Thursday.
Click here for more details about this discount. Search our Lodging category.
  Benwood Furniture
  Benwood Furniture is located in Fairfield, CA, and has a full line of furniture for all home needs: bedroom, kitchen, dining, living room, office and more. It also has a large selection of unfinished furniture. SeniorDiscounts Card Members receive and extra 10% off all floor models.
Click here for more details about this discount. Search our Retail category.
  Lambs Farm Country Inn Restaurant
  The Country Inn Restaurant of Lambs Farm is located in Libertyville, IL. SeniorDiscounts Card Members receive 10% off a meal purchase. Hours: 7:00am to 3:00pm Tuesday through Friday, 8:00am to 3:00pm Saturday and Sunday. Open on Friday nights for Fish Fry and Saturday nights for Prime Rib. Closed Mondays.  
Click here for more details about this discount. Search our Restaurant category.

Add a Discount Challenge

We have a winner. would like to congratulate and thank our winner, Marilyn Helberg from Pueblo, CO, for all the discounts she submitted. Thanks Marilyn.

The next Add a Discount challenge for a $100 has begun. Many thanks to everyone who participated and we look forward to seeing your new contributions in this next contest.

We are looking for any and all NEW Senior Discounts. This means discounts we don't already have on our web site. Ask at your favorite place of business and find out if it offers a senior discount. If it does, simply submit it on our web site. Click here.

You can also tell us about businesses you think would be interested in offering a senior discount. Provide us with the business information and we will contact that business and invite them to offer a senior discount. The more discounts you enter, the better your chances of winning. Click here.

As always, we greatly appreciate your participation in adding value to our service.

Weekly Internet Challenge

Answer the trivia question and you will be entered to WIN a complimentary $10 gift certificate from

This Week's Challenge:
What is the total US debt, rounded to the nearest 100 billion?

To answer: Click Here and tell us your answer to the Weekly Challenge. Good luck!

Last Week's Challenge Question:
What is the name of the New Orleans Police Chief that has resigned?
Last Week's Challenge Answer:
Eddie Compass

Our winner this week, Carl J. Gimmel of Shelbiville, KY will receive a $10 Gift Certificate from Carl, please e-mail us at: to claim your prize.

Corrections Challenge

We can always use help keeping our database of discounts current and our web site free of errors. If you find a discount that is not correct, no longer valid, or an error on our web site, let us know and we will send you a gift. Just e-mail us at: with the correction you have found and please include a description of the mistake. We appreciate your help.


For great deals on books containing senior discounts, click here.

Fall Tree Facts

Leaves of some trees such as birches, tulip poplars, redbud and hickory, are always yellow in the fall, never red.

The fall leaves of a few trees, including sugar maple, dogwood, sweet gum, black gum and sourwood, are usually red but may also be orange or yellow.

Bright sunlight is essential for the production of the red (anthocyanin) pigment in the fall leaves: if a black mask is placed on part of a leaf before it turns red, the part of the leaf under the mask will turn yellow while the exposed part will turn red.

The most intense fall color occurs in areas such as New England, with almost pure stands of a few types of trees, such as maples and birches, that all turn color at the same time during the short fall season.

The most varied fall color, as well as the longest lasting, occurs in areas such as the southern Appalachians, where a dozen or more kinds of trees may change color at slightly different times over the longer fall season.


The 2005 Fall SeniorDiscounts Card Newsletter for both members and businesses alike will be coming to you next week. Look for information on new discounts that have become available as well as progress on other member benefits we will be making available.

To visit the SeniorDiscounts Card web site, click here.

If you have any comments or suggestions, please e-mail us at:


It is better to keep your mouth shut and let people think you are a fool then open it and remove all doubt.

Submitted by our reader Sharon

If you have a comment, quote, or joke for us, please E-mail us at:

David Smidt - President, Inc.
PO Box 14762
Chicago, IL 60614

This newsletter provides information on senior discounts, and tips on how seniors can save money at no cost to our readers.

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