Top 10 Senior Discounts You Might Not Know About

9 min read

As our generation’s baby boomers start to reach retirement age; more and more retailers are double down on improving while introducing new and exclusive senior discounts. If you’re normally afraid or too shy to ask for the “birthday special” or the “senior special” then it’s time to reconsider. With an average savings of 10% these discounts will at least help alleviate the cost of tax, so it’s a no-brainier to ask. Check out our list of the can’t miss senior deals and discounts.

10. Cruise Deals

Holland America, Silversea, Crystal Cruises, Cunard, Norwegian Cruise Line, and Carnival are just several cruise lines that offer amazing senior cruise deals. Destinations can include: Cuba Cruises, Alaska Cruises, Galapagos Cruises and many others!

In order to qualify, you typically have to be at least 55 years old. A lot of seniors are looking to spice up their retirement life. With an abundance of free time to both travel and enjoy the little things in life; it’s not a shocker that a lot of cruise deals are tailored specifically for senior citizens. It’s a win-win proposition for both parties. Seniors get discounts and cruise liners get to fill up seats that would normally be left empty.

Here are some deals offered:

  • Carnival Cruises (3 days starting from $369)
  • Norwegian Cruise Line (With an AARP membership you get 250 mins of WiFi, Free Beverage Package, up to $100 off, $50 in shore excursion credit, and free specialty dining packages.)
  • Royal Caribbean (55+ get special discounts, please contact Royal for full details)
  • Cunard (7 days+ for less than $999, contact Cunard for specific senior deals)
  • Holland America (With an AARP membership, each person can save up to $50)

9. Alarm Systems

If you reside alone and are a senior; it’s imperative to have a home security system installed in your house. A home security system not only provides you peace of mind, but also typically gives a nice discount on homeowners insurance as well. There are many great home security deals out there. Here are some examples:

  • ADT (Get a ADT starter kit [includes security panel, keypad, keyfob, motion and door sensors], security camera, and Amazon Echo (to voice control your system) installed for FREE. From there, it is simply less than $1 a day or $28.99/month)
  • Vivint Smart Home Alarm ($3.33/month for premium cameras, $0 activation, 24/7 monitoring)
  • ProtectAmerica ($19.99/month, $0 upfront, yard signs, motion/entry sensors, and the control panel are all inclusive)

One method of securing our homes we prefer is to set up our own wireless security camera system. These can be purchased here. Depending on the system you select you may be able to monitor your house from within your own home (check who is at the front door) or even when you are across the globe. You can even take a peek at what your pets are doing when you’re not home (that is one of our favorite features). These features provide an additional layer of security knowing that wherever you are in the world, you can take a peek to ensure that your home is safe and secure. Best of all, there are no contracts.

8. Oil Changes

If you own a car, getting an oil change can be quite redundant as the expenses add up. Fortunately, for seniors there are many oil change coupons that help alleviate these costs. If you are over 55 with an AARP membership you may qualify for discounts at the following avenues:

  • Jiffy Lube (55+ get 10% off)
  • Mr. Tire (10% off all tire and auto service)
  • Valvoline Instant Oil Change (10% off all oil changes)

If you are not an AARP member, but would still like quality oil change coupons, head over here.

In addition to oil changes, seniors can also fetch a decent discount on tire and other auto services. Both Pep Boys and Midas, at participating locations, offer senior discounts starting at 10%.

7. Cell Phone Plans

Many cell phone service providers offer great senior discounts. The discounts vary from direct savings on their overall bill (% off) or specialty plans that are tailor made for the everyday typical senior user.

  • Verizon Wireless has a cell phone plan that is called “Senior 65 Plus Plans”. This specific plan is designed for those who are 65+, who use the phone sparingly and for emergency purposes. This plan essentially gives senior citizens the bare necessity required in a cell phone plan – therefore, eliminating costs that they normally would not use.
  • AT&T’s senior cell phone plan is very similar to Verizon’s . It is called, “AT&T Senior Nation 200 Plan”. It comes with unlimited mobile to mobile and at just $30 a month; however, it does not include any data or text messaging. For the most part these features are not widely used by seniors and therefore could be excluded.
  • Consumer Cellular offers a 5% discount off any AARP members overall bill.

6. Dental Insurance

Many senior citizens around the world are searching for excellent dental insurance coverage that will help in reducing their costs at their regular visits. It’s been noted that roughly 27% of all out of pocket health-care costs are related to dental services such as expensive dental implants. Considering seniors go through some of the most severe health costs, 27% is a substantial amount that can be saved.

The consequences of having poor oral hygiene can include ones risk of heart disease by 180%, a stroke by 300%, respiratory infection by over 500%.

Many people make the assumption that they have dental insurance simply because they have a normal health care plan. However, this is usually not the case. Dental insurance is usually something that needs to be added along with your medical insurance plan. Waiting until you have a medical emergency is not a good solution because many dental insurance plans will have a waiting period before they pay out on expensive dental procedures, so it is imperative to get dental insurance and to get it early. Here is a decent AARP dental plan:

  • AARP through Delta Dental of California offers dental care for as low as $28.84/month. The great thing about this plan is that there are no waiting periods and there are more than 200 different primary care dentists around you.
  • Renaissance Dental 0 with just a 50 dollar deductible, monthly insurance plans cost only $44.08/month.

Most seniors bypass on getting dental insurance because unless they get major procedures done on a yearly basis, they find themselves paying upwards to 4 times in premiums had they just paid out of pocket.

Fortunately, for circumstances like this, there are reduced rates for members. They work similar to a Sam’s Club or a Costco membership. You pay a monthly fee and in return you get dental procedures for a fraction of the price. For example a crown replacement may cost $1000, but if you are a member, your actual rate is just $600. The benefit of these plans versus an actual insurance is there is there is almost no wait time. Sign up today and head to the dentist tomorrow. Here are some example of great dental insurance:

  • Careington ($8.95 or $89 for the entire year)
  • Aetna Dental Savings Plan ($154.95 for the entire year)

5. Erectile Dysfunction

Seniors typically face erectile dysfunction issues as they hit the later years in their life. Because of all the commercials and magazine plugs you see; most people are only aware of one way to correct this issue and that is with pills (Viagra, Cialis, Levitra). The major problem with these pills is that for up to 20-25 percent of all patients, they see a significant reduction in effectiveness after a few years. However, there are several ways to combat and face erectile dysfunction head on:

  • Vacuum erection device (penis pump) is an erectile dysfunction tool that is about 12-18 inches in length that is connected to a small air hose which leads to an air pump. This method is effective for about 90% of all users. It is important to get a penis pump erectile dysfunction prescription from your local doctor as ones found in sex shops can be quite dangerous. Check out some erectile dysfunction tools here.
  • Surgically implanted prostheses are implanted prosthesis that can guarantee a working erection solving erectile dysfunction. These implants have the highest satisfaction ratings among patient and partner. Most of these implants are activated by a small discrete button that fills the penis up with saline from the implanted prosthesis. This procedure has solved a lot of erectile dysfunction issues. See this and other erectile dysfunction options here.
  • Penile injections are self-administrated injections to the head of the penis. The cost of the treatment is about $2-$5 per injection, but have a relatively low success rate as many patients complain that they are in too much pain to have intercourse. This is the method we would recommend least. There are a few other options besides injections that could help with erectile dysfunction.

4. Auto Insurance

Most senior drivers are unaware that they can get discounts on auto insurance quotes. Generally the older you get, the less you should be paying on your auto insurance rates.

There are incentive programs such as AARP’s Auto Insurance program that gives people over the age of 50+ a savings on average of $404. There are also special programs within many auto insurance companies offering programs such as:

  • Low-Mileage Discount – If you drive under a certain number of miles (may vary from insurance company to insurance company), you can easily qualify for this discount. This discount is heavily used by seniors because they are retired; therefore, the amount of daily driving they need to do is substantially less.
  • Senior Organization Membership Discounts – Being a member of AARP is similar to having an AAA membership. A lot of AARP perks are based on senior discounts, auto insurance is no different.
  • Taking Defensive Driving Courses – Many insurance companies will offer a substantial discount to all seniors who enroll in a defensive driving course that is tailored specifically for seniors. This is a win-win for both parties as seniors are better educated in driving safely which in turn saves insurance from constantly paying out for poor driving skills.
  • Retired Military Discount – Many companies will show their appreciation for the military by offering discounts. Being a senior along with being ex-military can add a special savings onto of that savings. Contact your local insurance providers to see if this is a discount that they have.

3. Senior Living

Most senior citizens live on a fixed income and/or on subsidies; however, some of these senior benefits may not be enough to pay for living expenses. As a result, many seniors are forced to seek low-cost senior living options. Here are some options that are provided:

  • For people over the age of 55, there is a site called, “”. They specialize in senior living. These are normally communities that cater specifically to senior-friendly amenities and activities. Think of this as a senior retirement home, but in an apartment complex setting.
  • Subsidized senior housing are units available to low-income seniors that have their rent subsidized by the US Department of Housing and Urban Development. Unfortunately, these units have long wait lists.

2. Food Discounts

While age is just a number, many people over the age of 50, qualify for amazing senior discounts on some very popular restaurants. Typically, these discounts become available when you hit the big 50 landmark. By hitting this milestone you now have access to discounted menus that you never had before. This is a cause for celebration. However, please note that ages may vary from restaurant to restaurant. Due to franchising, many of these companies only offer discounts at certain locations, so please call and verify before heading over. (It never hurts to ask.) Check out some of our favorite senior food discounts:

  • Applebee’s (60+, up to 10%-15%)
  • Arby’s (55+, for a 10% discount)
  • Ben & Jerry’s (60+, 10% off participating locations)
  • Burger King (60+ get 10% discount)
  • Chick-fil-A (free refillable drink)
  • Denny’s (Secret menu for 55+)
  • El Pollo Loco (60+ get a 10% discount)
  • Fuddruckers (55+ get 10% discount)
  • Jack in the Box (55+ get 20% entire order)
  • KFC (55+ get a free drink with every meal purchase)
  • McDonald’s (55+ get to enjoy discounts on coffee)
  • Souplantation (60+ get 10% off)
  • Taco Bell (65+ get 5%)

Please feel free to contact us if you see any other deals that are noteworthy.

1. Burial Insurance

As funeral costs continue to skyrocket, averaging upwards to $10,000+, many seniors are looking for alternative methods of insuring their funeral costs without being a burden to their significant loved ones.

When dealing with something as substantial as a death to a loved one, it can be troublesome to just cope with the loss let alone have to deal with the high costs of funeral expenses as well. This often times leads to severe stress and anxiety.

As a direct result, many senior citizens have turned to burial insurance to fill this void.

Once burial insurance is set up and the policy holder passes away. The money will be paid out for any final expenses including burial costs.

Here are some example of burial insurance coverage being offered:

  • AIG (offers up to $25,000 for those who are between 50 and 85)
  • Foresters (they offer several different plans- from $2,000 to $35,000)
  • MetLife (guarantees to accept all customers from 50 to 75, regardless of circumstances)
  • AARP (for folks between ages of 50 and 80- offering from $2,500 to $25,000 and cannot be rejected regardless of circumstance)

There are a lot of reputable companies that offer amazing senior burial insurance rates.

Please keep in mind that some of these discounts are region specific. A lot of chains only offer certain deals to participating locations and not to others. Always call ahead and never be afraid to ask. Being a senior has its perks and you’d be doing yourself a disservice. Nobody likes watching money fly away, so take advantage! Email us with more awesome deals you find!