Life can sometimes throw surprises. One of those surprises is the increase on car insurance for seniors after certain age (usually 70). Interestingly, the reasons for these hikes in premiums are similar to the reasons why teenagers get high rates. The statistical significance of too many older drivers involving in accidents is not ignored by insurers and you should not ignore them too.
Older drivers can have problems with handling several driving related functions. Denying these issues doesn’t really help anybody. Struggling with braking, steering and having problems with vision and manoeuvring in time are some of the problems. However, there are a few positive things going for them that they can still enjoy driving and cheap car insurance for senior citizens. Here are ten points that help older drivers stay safe and keep getting low auto insurance rates.
One of the main differences between a junior and senior driver is that a senior driver have plenty life experience. They can handle their affairs a lot better in light of their circumstances. Many older drivers manage their driving activities very efficiently. They avoid driving late at night and during rush hours. These are the times you are most likely to involve in a crash that is painful, costly and dents your confidence. Self-policing is an effective way of staying out of accidents that affect auto insurance for seniors.
- Monitoring Medical Conditions
One of the main problems is the weakened vision. Everybody should have an eye test at least once a year but this should be increased to every six months after certain age. In addition, it is no use if you are not going to use your glasses. You should at least get two pairs so that you could keep one in the vehicle and always make sure to wear.
You may actually get into serious troubles with authorities and your automobile insurer if you are found to cause an accident in which you weren’t wearing the necessary aids like hearing aids and glasses. Also, you should know side effects of your medicines and refrain from driving when they are making you drowsy.
- Staying Active
Above mentioned driving issues faced by older motorists may be related to age. However, it is worth mentioning that even young people who are not practicing enough can suffer similar symptoms of tiredness and drowsiness. It is essential to keep active and exercise. This doesn’t necessarily mean that you have couple of hours of grilling sessions in the gym every day. It could be taking leisurely walks or doing sports like golf. Even doing a few simple hands, feet and joint movement practices when you are watching television can help you a lot.
- Importance of Driving
It is not just about getting from one place to another in your private motor vehicle. Driving is about keeping your mobility and independence. When you don’t watch out you can quickly get involved in too many incidents that result in problems in terms of auto insurance for seniors. You may lose your confidence behind the wheel or it may not be fun anymore. Furthermore, several claims would result in high premiums that increase financial burden of driving.
It is important to mind and improve your driving before it becomes a problem. A few simple changes can make it fun again and keep you safe. For example, making adjustments in your automobile like getting better seats to keep you comfortable can help you stay pain free and focused.
- Brushing Up on Driving
You have passed your driving license test a few years ago. It may be time to brush up on the rules and a few skills. There are a few recognized courses especially for drivers over the age of 55. They generally teach how to drive defensively. What that means is that you learn certain dangers on the roads and be on the lookout for them in order to reduce accidents.
Turning at junctions, joining to a fast moving motorways and seeing the dangers ahead are some of the issues that can be managed successfully if you are aware of them. The good news is that you will be able to claim about 10% car insurance discounts when you complete these courses.
- Low Mileage Discounts
You can claim low mileage insurance discounts when you are not driving as much. Many older drivers don’t commute to work or they are not actively involved with their businesses anymore. In addition they don’t take long road trips as well and keep driving to minimum. Most vehicle insurance companies offer discounts for motorists who don’t travel a lot with their cars.
- Senior Driver Discounts
Experience is always a valuable asset to have and you should make a good use of it and get the best insurance for good drivers. These discounts will depend on your claim and driving history and can be as high as 50% when you have a long, clean driving record. In addition, you should remember that some companies offer larger discounts for drivers over the age of 50. You should try to find them by getting several quotes and comparing.
Furthermore, you should make sure that you have accident forgiveness cover to protect your no claim bonuses. Policyholders with about 5 years of no claims should be able to have this cover without much increase in premium. When you are switching insurers make sure that your new insurer offers this protection, too.
- Buying an Appropriate Car
After certain age comfort becomes extra important. In addition safety should be one of the main concerns when buying automobiles. It takes a lot longer to recover from injuries at older years. And buying a safer and comfortable automobile would help you find cheap car insurance for senior drivers. Safer cars qualify owners for premium discounts and comfortable ones reduce accidents and claims that indirectly affect your insurance costs.
- Controlling Number of Claims
Generally, motorists suffer large premium increases when they have several claims in short period of time. Your agent would tell you that you must report every incident. But you are probably wise enough to know which incidents to report and which are not important. For example, do you really need to report a small scratch on your car after you scraped the garage door? By paying for small damages out of the pocket you can reduce the number of claims and keep getting cheap auto insurance for seniors.
10. Shop Around for Most Competitive Car Insurance Rates
As mentioned above every company values different age, experience and driving characteristics in their own way. Some may advertise special discounts for older drivers in order to attract them and others may actually charge more for them. You need to shop around to find the best deals if you want to save money. You can check a few more automobile insurance tips on this post before you leave our site for the day.