If you have ever had to insure a teenage driver, you probably already know that rates can be expensive. Senior drivers may also be considered risky to insure by many top companies, so older people’s rates can go up too.
While seniors have some really positive things in their favor, like maturity and lots of experience, they may also have some issues. While a teen lacks this maturity and experience, they usually have good eyesight and fast reflexes Seniors may have some age related health problems which cause a decline of physical functioning.
Many of us lose vision as we get older. Night vision becomes progressively worse as well. Older people need to pay attention to their vision. It is important to keep eye exam appointments, and they may need to be scheduled more often than they would for a younger person.
Our muscles also tend to lose tone which makes us weaker. In addition, the pain of arthritis can make it hard to react quickly.
Even the best older drivers may find that it is more difficult to operate a vehicle, especially in high traffic situations
This is why rates can go up for senior drivers. Rates may start to increase about age 70. Some companies do not even cover people over age eighty! Others do accept much older drivers.
Since many seniors have to live on a fixed income, it can be tough to absorb higher car insurance premiums in addition to the cost of keeping a vehicle in repair. There are some ways to save money though.
Since many older people have retired, they may not need to drive as much as younger workers who need to commute to jobs. A low mileage discount can be a good way to get lower premiums. It is also important to make sure the vehcile is safe and kept up as insurers will also charge less for vehciles that they consider safer.
As with any driver, it is important to shop around for the best rates.
Insurers are not all the same. Sometimes older people have had a long history with one particular company or another. But this may not always be the insurer who is willing to offer the best price or policy. Online quote forms make it fast and simple to compare prices and plans to make sure you find the best insurer for your current needs!
If you help care for an older person, it is important to be realistic about physical or mental limitations. You will not be doing that older person a favor by allowing them to drive when illness or infirmity makes them unsafe.
They can hurt themselves, and they can hurt other people! Taking away car keys may be very difficult, but it is possible to find other forms of transportation. Your community may have low cost or even free, senior transportation. Some senior health plans offer free rides to medical appointments as a benefit.
This will help keep the older person safe, and it will give your whole family peace of mind.
We can help you find the best insurance rates for anybody in your family! One quick online form can help you find the best car insurance quotes!