Insurance Quotes

Get multiple insurance quotes for auto insurance, life insurance,
and home insurance. Direct to you from agents and companies in ,

Find Low Rates For Senior Auto Insurance

As a person ages, there are a few considerations that come into play when it comes to senior auto insurance. One thing mature drivers have to concern themselves with is their health. As a person ages the eyesight is not as good as it used to be, the peripheral vision diminishes, they are much more sensitive to glare from the sun and do not recover as quickly from it as young people do and their vision at night is not as sharp as it used to be (Blewitt & Broderick, 2006, p.467). Because of these visual difficulties, mature drivers have a harder time seeing everything they need to see on the road and they, subsequently, cannot react as quickly as they need to.

What we hear about most of the time is how it is teenagers that have the highest rates of collisions and they do have the highest rates until you compare them to a person at about the age of 75. At this point the 16-19 year old age group and the 75-84 year old age group are equal in the frequency of auto accidents. It is at the age of 75 when declines in visual acuity as described above begin to affect a mature person's driving (Blewitt & Broderick, 2006, p.467). It gets even worse at ages of 85 and over; for drivers who are 85 and over, they surpass the teenage rates for collisions by nearly four times! For this reason senior auto insurance rates are very high and may be prohibitively high for a lot of drivers.

The increased number of collisions and the high premiums mature drivers are given may make it seem as if it is not worth trying to find senior auto insurance if you are over 65. There are ways to make sure that you can continue to be a safe driver and not have to pay exorbitant rates for auto insurance. One thing you can do is to ensure that the car you are driving helps you to see as much of the road as possible with large windows and nothing obstructing your view.

The controls such as your speed dial should also be easily visible inside your car so that you will be less likely to mistake one thing for another. A car that has easily adjustable seat belts and seats will make an insurance company feel more secure in offering you a senior auto insurance policy. Another important thing you can do is to have a car that has light doors that are easily opened. Insurance companies look for these types of things, too.

Along with driving a safer car for seniors, you can also take defensive driving courses that help you to keep your skills in good shape. Defensive driving courses, which are relatively inexpensive, can help you qualify for a mature driver discount. Whether you are applying for a new policy or are currently looking for senior auto insurance, it is up to you to bring it to the attention of the agent that you may qualify for it. It can save you from 5%-10% off of your rate.