Auto Insurance for Seniors

By Compuquotes Team on April 27th, 2008

Auto Insurance

Seniors are actually among the safest drivers on the road - they have more years of driving experience than anyone else, don't speed or drive recklessly and tend to obey the rules of the road. Anyone who is still driving is entitled to auto insurance, regardless of age - although a driver that is over 75 may find it difficult to obtain affordable auto insurance.

Many seniors continue to drive as they are understandably reluctant to give up their independence. So if you are a senior who still enjoys driving, how do you save money on your auto insurance premiums? The first rule is simply to shop around - the internet has made it easy to compare products and costs; some auto insurance sites will even provide you with quotes from several companies.

Although many seniors still want to drive, they generally don't drive as much as they used to - many older people just use their car for short or occasional trips. Most insurance companies offer a discount to those who drive less than 10,000 miles during a year. Once you retire, be sure to let your insurance company know, so they can make any adjustments to your policy.

Perhaps you are considering relocating now that you have retired. The location of your vehicle can have an effect on the amount of your premium - a car parked and driven in a rural area is less likely to be involved in an accident or stolen. If you have more than one car, insure all your vehicles with the same company - virtually all insurance companies offer multi-vehicle discounts.

If you are a senior driving, you can generally get a lower rate if you drive a modern, safe vehicle. Insurance companies like to give discounts if your vehicle has such features as power steering and power brakes; and seat belts that fit lower on the lap and more comfortably over the shoulder are considered to be safer. Many newer vehicles are also fitted with side air bags in the door frame or seats.

If you are an older driver, try to maintain good health and consult your physician regularly about medication or conditions that may affect driving. Conditions such as arthritis, diabetes and poor circulation in the feet can all potentially cause problems and increase your insurance rates. Many seniors have a problem driving at night and limit their driving to daytime hours. Many states require additional visual or medical exams for drivers over a certain age.

Seniors can also save money on their car insurance premium by taking a refresher driving course - the AARP offers an 8 hour course aptly called "55 Alive". Safe driving classes are also offered by the National Safety Council, AAA and many commercial driving schools. And most states actually have a mandate that you receive a discount on your rates if you have taken such a course.

Finally, whatever your age - simply drive safely. A record of safe driving is the most effective way to enjoy lower car insurance rates.

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