Senior Auto Insurance

Senior auto insurance rates (which seniors must pay) are often higher than other rates. This is simply because insurance rates are based on averages, and on the average, senior drivers represent a higher risk. This is due to the fact that they often have accidents. However, although insurance rates are based overall on averages, there are a number of things that senior drivers can do to insure that they personally are getting the best rates possible on their auto insurance.

If possible, consider taking a driving refresher course, since in many states insurance companies will offer a discount on auto insurance rates for those who have taken these courses. Of course, even if you don’t get a lower insurance rate in your state, the course will no doubt help you be a safer driver. There are a number of places that offer these types of courses, including the AARP’s “55 Alive” eight-hour course.

There are a number of driving safety tips that can reduce the chances of an accident. These include paying close attention at traffic intersections, especially when there are various types of turning lanes involved. Studies have shown that a large number of traffic accidents that involve seniors actually occur at intersections, so it’s important to pay attention and follow all the signs and stay in the correct lanes.

Changing lanes while driving is often another problem area for senior drivers. Traffic patterns often change on roads, so it’s important to read all the signs, and make sure that you are in the correct lane, and are properly yielding the right-of-way when changing lanes. It’s also important to follow the overall flow of traffic, including driving close to the speed limit. Although it might seem that driving slower than the speed limit makes you a safer driver, in reality this can actually be dangerous, especially when changing lanes or merging into traffic. Slow drivers also have a tendency to provoke “road rage” among other drivers. Overall, it’s best to drive as close as possible to the speed limit, unless weather conditions indicate otherwise. It is factors like these which determine the rates of senior auto insurance.

It’s also important to make sure you have good visibility in your vehicle. Adjust your car seat so that you have a good view from all the windows. You can use a cushion on the seat if you need some additional height, but one should always be able to see at least ten feet in front of your car. This is important in order to properly see pedestrians and other cars, as well as being able to maintain an adequate amount of space between the front of the car and other vehicles or obstacles. It can also help to reduce night driving visibility issues caused by headlight glare. Also make sure that seat belts fit properly, especially if you have recently re-adjusted the seat in your vehicle.

When shopping for senior auto insurance, make sure to always get a number of different comparison quotes. There are insurance companies that offer discounts specifically for senior drivers. You can also help lower your insurance rates by making sure you deductible is set at the proper rate. If your car is older, lowering your deductible might be a good idea in order to save on insurance rates. You should also ask to see if there are lower rates available for lower-mileage drivers, as this is another way that you could get a reduced auto insurance rate.