Senior citizens are now driving for much longer and they prefer to drive themselves around. Most often you will find that they don’t necessarily like being driven around as they feel that their freedom is restricted. Hence, it would be wise to find auto insurance at affordable rates, especially since they are going to be behind the wheel for much longer.
Most auto insurance companies will base their monthly premiums depending on the age of the driver as well as the driving record. Hence, if a senior citizen has a fairly good driving record with lesser citations then the premiums would be much lesser. While the government considers the 60s to be the age for senior citizens, the insurance companies consider 50s to be the age bracket for seniors. Auto insurance firms also take the mileage into account while calculating premiums. Most seniors stay close to home and don’t really travel long distances. Hence the premiums may not be too high. Those living in rural areas are considered to be less likely to get involved in accidents and there could be considerable savings here.
The most important thing to do would be to go online and check the different auto insurance companies and the best possible rates they have to offer. Get different quotes and make a comparison of the quotes before you decide the best option for you. Try and get at least three quotes online and a good place to start would be the auto insurance sites which will give you at least three of the top carrier’s insurance quotes.
Paying a higher deductible will also ensure that the premiums are lower. It is also advisable for senior citizens to have a vehicle that is low profile. These models carry lesser risk as they are not likely to be stolen and hence the premiums and auto insurance coverage required will be much less when compared to the newer models.
Taking a refresher driving course will not only ensure the safety of the senior driver while on the roads but will also ensure some discounts. The next important thing to consider is installing safety features in the vehicle. Installing these safety gadgets can help avail a lot of discounts.
As per the studies, the ones in the 50 to 75 age group are considered responsible drivers and hence the premiums for this age group are much less. So, there are a number of ways you can avail a discount even if you are a senior.
