subject: Affordable Auto Insurance For Older Citizens [print this page] If low cost car insurance for older drivers is what you are trying to find than you have come to the right place. This article will give you all the essential information regarding car insurance for older citizens. You should not pay more than you have to. Find out what factors determine older citizens' insurance rates and how you can pay less.
Exactly who are senior drivers?
When it comes to seniors, insurers have a different criteria than the majority of people. 65 years old is usually the age at which our society sees a person as a senior citizen. However, as far as insurers are concerned, senior drivers are people aged 55 and over. Yet again, older drivers are divided in 2 further groups - those aged under 75 years and those aged over 75 years.
Insurance companies are well aware of the fact that we are an ageing nation. With maturity people tend to change their lifestyle and driving habits too.
Senior citizens and car insurance rates
Age, driving history and the type of car you drive are some of the important criterias used to determine car insurance rates for older citizens. Generally speaking, older people are regarded as patient and careful drivers. Not many tickets for speeding or reckless driving are issued to grandmothers. Senior Drivers don't usually have sports cars on their driveways.
When it comes to driving, maturity definitely has it good sides. Insurance data also suggest that older drivers use their cars less. The only cons are often deteriorating sight, which affects night driving in particular, and slower reflexes.
If you are younger than 75 and have a good driving record, your auto insurance rates should be lower than the average. You may, however, seen an increase in your premiums if you are aged 75 or over.
Low cost car insurance for older drivers
You may find yourself in a difficult situation if you still drive your old car. Quote often yearly insurance premiums can be more than the real value of an old car. You can save a lot of money on insurance if you exchange your old car for a newer model.
Another good idea is to take a defensive driving class. Insurance companies reward drivers who have taken such courses with lower insurance rates.
The easiest way to find better car insurance for senior drivers is to compare quotes on-line. To compare quotes from at least three different companies is what insurance experts recommend. The difference in rates may shocking. It is not uncommon for people to save as much as $500!
by: Eddie
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