Senior Citizens Can Find Affordable Auto Insurance
Many people assume that seniors are not interested in driving or are unable to, but that is not always the case. Some retirement age citizens are actually returning to the workforce full-time, and they need transportation to get there. Some senior citizens simply like the freedom of being able to transport themselves wherever they want to go, without being dependent on others.
Seniors generally have a limited income to deal with, and if they drive, they'll have the added expense of auto insurance. To add to that, insurers look at senior citizens as a higher risk than the majority of drivers, excluding teenagers, which translates to higher insurance premiums. There are many ways to find budget-friendly auto insurance.
Older drivers are categorized as individuals age 55 and above. Seniors generally drive slower (which can cause accidents), and have trouble navigating intersections. Taking an additional driving course on safety such as the "55 Alive' 8-hour safety class by AARP may yield a discount on your auto insurance. Your local police department may offer safe driving courses as well. If you choose to take a driving course, be sure it is approved by your auto insurance carrier so that you can receive discounts.
The more safety features your car has, the better, as far as your auto insurer is concerned. It's not uncommon for many older ones to buy their dream hot-rod sports car during this time period of their lives, just be prepared for the impact that type of car will have on your auto insurance bill.
The best way for seniors to save money on car insurance is a tip that applies to all drivers, comparison shopping. If you search for insurance quotes based on the exact same criteria, you can compare apples to apples and truly see which policy is the cheapest. It may be time consuming to go to several sites or call representatives over the phone. InsuranceBureau has a simple, easy to fill out online form that lets you receive multiple quotes from competing auto insurance companies. Start saving money on senior auto insurance, why pay more when you don't have to?
Sources
- Eleven Money-Saving Auto Insurance Tips For Senior Drivers, Matt McWilliams, Retrieved April 17, 2008, from http://www.bluck.com/senior-citizens/eleven-money-saving-auto-insurance-tips-for-senior-drivers.html
- A Compendium Of Law Enforcement Older Driver Programs. Retrieved April 17, 2008, from http://www.nhtsa.dot.gov/people/injury/olddrive/LawEnforcementOlderDriver03/massachussett.htm
- Older Drivers. (2008) Retrieved April 16, 2008, from http://www.iii.org/media/hottopics/insurance/olderdrivers/
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