The aged population is increasing in the United States due to better health care facilities and changes in food and lifestyles of senior citizens because of higher health awareness. Most of the seniors are leading an active life at present and are driving vehicles for longer periods than in the past. Normally, insurance companies also consider people above 50 as the least risk group, since they tend to drive their vehicles with more care and at lesser speeds than younger persons. At the same time, seniors above the age of 75 are considered a very high risk, since statistics show that fatalities in auto accidents are more for such group of drivers. As such, auto insurance for seniors would be the cheapest in nearly all the states of the United States for people between the age of 50 and 70. However, this would increase steeply after that, depending on the approach taken by the insurance company.
For obtaining lower premium quotes from the insurance companies on the auto insurance for seniors, they should clearly keep in mind the following most important tips.
- The make and design of the car is very important in the premium amounts of auto insurance for seniors. The seats should be easily adjustable to allow the seniors to have comfortable seating and get a clear view of the road, the rearview mirrors, and the display panels in the vehicle.
- Safety measures like seat belts, air bags, and shoulder harnesses should be in place. This would impress the insurance inspectors checking the vehicle that the safety of the driver is appropriately assured.
- It is desirable to have vehicles with strong front portion but lightweight doors. Heavy doors could be difficult to open in case of accidents.
- Display screens and dashboard control panels should be easy to understand and provide clear reading.
- For getting lower premium quotes for auto insurance for seniors, the senior drivers should submit the necessary certificates from their doctor regarding their general health condition, power of eyesight, and other health related issues. In fact, most states in the United States had made it mandatory for seniors above a certain age to submit to medical tests and eyesight tests for renewing their driving license. With such a clean license, it would be easy to get lower premiums for auto insurance for seniors.
- Finally, the past driving record of the seniors also plays a crucial role in the fixing of premiums by insurance companies in auto insurance for seniors. Seniors with clean driving records and good health could demand lower premiums without any hesitation.
