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Finding the Best Auto Insurance for Seniors


Growing old does not necessarily mean losing rights and privileges previously enjoyed. Many Americans believe that old age would mean them becoming burdens to their families and relatives. Growing old can also mean losing certain rights like driving privileges, others believe. However, this is not the case with auto insurance for seniors.

Because car insurance companies rely heavily on statistical findings to come up with insurance rates and premiums, some age groups and drivers can actually benefit more. For example, certain professions can mean fewer driving duties and less risk for accidents. In the same manner, motorists over the age of 50 but under 75 years of age can also qualify for discounts.

Insurance statistics have proven that American drivers between the age of 55 and 75 are the safest motorists behind the wheel. This particular age group has the lowest incident rates among all other drivers.

Many insurance providers consider drivers belonging to this group as mature and responsible motorists. As a result, auto insurance for seniors belonging to this particular age level tends to be cheaper.

However, as motorists get older, they reflexes and physical health usually come under question. Older drivers cannot react as fast as younger motorists and this presents a problem for many insurance companies. As drivers reach senior age, they may be subjected to higher premiums because of the providers’ commonly held beliefs that they represent higher risks on the road. With this in mind, auto insurance for seniors can also become much more expensive as drivers get older.

Despite this, there are actually ways to slash premiums significantly for seniors. Although they may not be getting any younger, they can still improve their driving skills by attending special driving courses and programs. Most insurance companies recommend certified driving classes and schools for adults who want to refresh their memories and improve their driving skills. Enrolling in these courses can help older drivers gain valuable new insights into traffic regulations and other relevant driving tips.

Older motorists should also consider installing security systems and safety devices and features on their cars. Corrective mirrors, seat cushions, and pedal extensions can help seniors gain better control of their vehicles and avoid accidents. Safety features like side airbags, fully adjustable seats, and lighter doors can also mean lower premiums for many seniors.

Of course, the primary concern of many insurance providers is the driver’s health. Seniors should also prepare their comprehensive health record to facilitate a faster application and issuance of an insurance coverage. This can help companies provide auto insurance for seniors at more affordable rates.