Research Writer
Robert Chen
Robert Chen is a research writer at Best Car Insurance for Seniors. He worked for six years as an actuarial analyst in personal auto, where age-band and mileage factors were part of his daily work, before moving into consumer writing in 2020.
On this site he writes the cost, low-mileage and comparison guides, working from published rate factors, highway-safety data and reader-submitted statements.
Robert is based in Cary, North Carolina.
- Based in Cary, North Carolina
- Covering auto insurance since 2020
- Focus areas: age-band rating, mileage-based pricing, actuarial analysis, policy comparison
- Education: University of North Carolina at Chapel Hill (B.S., Mathematics)
Guides
Guide
Average Car Insurance Cost for Seniors by Age
Typical full-coverage and liability premiums at 60, 65, 70, 75 and 80, how they compare with mid-life rates, and what moves them.
Guide
Mature-Driver Courses and Insurance Discounts
How mature-driver (defensive-driving) courses work for insurance: eligibility, what the courses cover, state mandates, typical discounts, duration and how to claim it.
Guide
Low-Mileage Car Insurance for Retirees
How retirees who drive less can pay less: correcting declared mileage, low-mileage discounts, telematics and pay-per-mile policies, with realistic savings.
Guide
How to Compare Car Insurance as a Senior
A comparison method for older drivers: accurate mileage, fixed coverage, mature-driver and bundling discounts, three to five quotes, and the questions to ask about age factors.