Many people make the mistake of assuming that they will automatically become entitled to auto insurance coverage once they reach a certain age. That is not the case. Once a person reaches a certain age, he/she is considered an “aged driver” under the law. The law specifies that all drivers must have auto insurance in order to legally operate a motor vehicle in California. However, there are a few situations in which a senior driver may still be able to legally drive and obtain full coverage auto insurance coverage.
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Senior drivers often have many problems trying to figure out where they fit into the driver demographic. While some drivers under twenty five years old can and should qualify for and actually receive affordable (sometimes free) coverage from their auto insurance company, there are many senior drivers who fall into the “high risk” driver category. These drivers usually have a very serious criminal record, they are considered to be “high-risk” by the insurance company and are typically charged the most expensive rates when it comes to coverage.
So, how does one go about qualifying for less expensive auto insurance coverage? There are a few things that a driver can do in order to save money on their coverage. First and foremost, as a senior driver you want to be sure to avoid any accidents or traffic violations. If you don’t have any accidents or tickets on your record, you are going to find it much easier to find affordable coverage because companies won’t be as concerned with your past.
Senior drivers also want to take care of any existing auto insurance policies that they have. Many companies don’t offer discounted rates to older drivers simply because they happen to be older. It is usually reserved for drivers that are younger than 25. In other words, if you have some type of a driving record already, you are going to be able to qualify for some good deals.
One way to help decrease the cost of your auto insurance coverage is to choose a more basic policy. You may think this sounds funny, but it actually works. Many companies will offer cheaper rates if you choose the coverage that doesn’t include many of the extra bells and whistles. For instance, if you want coverage that will include roadside assistance, then you should probably choose that coverage. It will cost you less money.
Many people don’t realize that as you age you become more of a safety risk. This is why auto insurance companies increase your rates as you get older. However, as you get older even a basic policy with minimal coverage may still be too much. That’s why it’s important to talk to an agent about getting a limited coverage. You may find that this option is just what you need to keep your costs down.