answer:(I thought at first this question was spam.) As it says in the article, if they are driving shorter distances they should report that to their agent and see if that will lower their premiums. Also, if they have an older car, they don’t need comp and collision coverage on it. A non-senior friend had insurance with an online company (Progressive perhaps) and they put a computer in his car and when his driving was shown to be safe, his premiums were lowered. They should make sure however, that they continue to have good liability limits in case they cause an accident. If they have two cars and can drop down to run, that would lower their costs as well. I’m not sure if life insurance would be that important for them at this point; what is more important is if one would have enough money to live on if the other is ill or dies.