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Senior citizens are some of the safest drivers out there on the road. They of course have the most years in terms of driving experience, they don’t drive recklessly or speed, and they have a tendency for obeying the rules of the road. Anyone who drives should be able to obtain auto insurance, no matter how old they are. However drivers over the age of 75 might find it hard to get auto insurance that is affordable.
Many senior citizens continue driving because they do not want to forfeit their independence. So if you happen to be a senior who still likes to drive, what can you do to save money on your car insurance? The first thing you should do is shop around. The internet makes it easy to compare costs and products. There are auto insurance sites that will provide you with quotes from multiple insurance companies.
Although there are many senior citizens who still enjoy driving, they usually don’t drive as much as they once did. Many elderly people only drive their cars on occasional or short trips. Most insurance companies will offer a discount to drivers who driver fewer than 10,000 miles per year. After you retire you should be sure to notify your insurance company in case there are any adjustments that need to be made to your insurance policy.
You may be considering moving to a new location now that you are retired. Where your car is located effects the price of your premium. A car that is driven and parked in a rural area is not as prone to be stolen or in accidents as one in a urban area. If you own multiple vehicles, insure all of them with the same insurance company. Almost all insurance companies have multi-vehicle discounts.
If you are a senior driver, you will usually get a lower rate on your insurance premium if you drive a safe, modern vehicle. Insurance companies also offer discounts when your car has certain features like power brakes and power steering and seat beats that fit better over the shoulder and lower on your lap. Many new cars also have side air bags fitted into the seats or door frame.
Older drivers should try to maintain their health and consult with their doctors on a regular basis about their medications and other conditions that may affect their driving. Conditions like diabetes, arthritis, and poor circulation in feet may all potentially cause problems and also could increase insurance premiums. Many seniors have trouble seeing well at night and limit driving during the daytime. Many states require that additional medical or visual exams be undertaken for drivers who are over a certain age.
Senior citizens may also be able to save money on their auto insurance premiums by enrolling in a refreshing driving class. The AARP holds an 8 hour class called 55 Alive. The National Safety Council, commercial driving schools and AAA also offer safe driving classes. Most states mandate that you receive a discount on your insurance premiums if you have completed one of these courses.
Finally, no matter what your age is, drive safely. The most effective way to obtain lower auto insurance rates is to have a safe driving record.
