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How to purchase auto insurance for seniors?

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Senior citizens are a low risk group when it comes to auto insurance as they are more cautious and experienced and don’t take a risk while driving.  They always drive at very low speeds and most often the retired lot rarely drives unless they absolutely have to.  Under normal circumstances senior citizens don’t take the highways and they don’t go on long distance trips.  All of these factors make them less prone to accidents as the exposure on road is not too much.  However, one has to take into consideration the age factor which could be most critical with regard to the reflexes, their hearing impairment, and impaired vision.  Hence while taking an auto insurance policy for a senior citizen whose driving records are clean, one must ensure that they get the same coverage as their younger counterparts.

Avail discounts in auto insurance for seniors:

As much as possible one must take advantage of the numerous discounts that are available to senior citizens especially if they have a fixed income.  For senior citizens with a good driving record there are a number of discounts for good drivers and in case the vehicle is old then the insurance coverage that would be needed would be much lesser than what a new car would require.

Choose a plan according to use:

However, if a senior citizen uses the car once in a while, they could opt out of the collision coverage and retain just the liability insurance.  This would automatically reduce premiums, but they must be aware that in case there is damage to the vehicle when it is stationary, the insurance cover would not be there.  There are some insurance companies that offer good discounts if the senior citizen is willing to take a driving instruction course (refresher course).  There are discounts offered to citizens who have an AARP membership also.  Always check with the insurance agent before availing the benefits of the plan.

Help senior citizens to make the right choice:

Individuals who are familiar with the internet have the advantage of choosing the right auto insurance for seniors.  However, there may be a few disadvantaged members who might not be too familiar with the net and might be paying much more than what’s required.  Under such circumstances, it would become our duty to inform them so they can avail of the discounts and switch to another insurance plan.  Most of the time senior citizens end up with the same insurance company either out of ignorance or as they cannot make the switch after so many decades.