Elder drivers have different needs than younger drivers, and their auto insurance policies may vary. Almost every driver must have liability insurance, but some drivers may not need comprehensive and collision coverage. Lowering the limits of these coverages can help make car insurance for elder drivers more affordable. Another thing to look for is a low-mileage discount, which is available to senior citizens. If possible, limit the miles per year and consider dropping comprehensive coverage altogether.
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If driving is difficult, the older driver may decide to stop or take a special course to improve their driving skills. Older drivers may have trouble navigating roundabouts, changing lanes, passing, or driving on highways. If driving is essential, take a defensive driving class, which may lower the rate of insurance for elder drivers. Many car insurance companies offer discounts for this type of course. If your insurance policy does not cover such expenses, check if there are any discounts available for defensive drivers.
A safe driving record is another factor to consider when shopping for auto insurance for elder drivers. While you may not be able to avoid traffic tickets, it’s important to note that an older driver’s car insurance premium will be higher than a younger driver’s. However, many car insurance companies are willing to discount the premiums of older drivers who follow safe driving practices. You can also get a usage-based insurance plan, which reflects how safe you drive.
Shopping around is a great way to ensure you’re getting the best rates possible for your auto insurance for elder drivers. Start with your current insurer and compare policies with at least three other companies. Then, select the one with the lowest cost. Remember to take advantage of discounts for older drivers by taking a safe driving course or driving less than the average. Always make sure you compare rates from at least three insurers before making a decision.
Senior drivers can also get discounts on their auto insurance policies by enrolling in a defensive driving course. These classes are offered in person or virtually online and can cost as little as $20 per course. Many insurance companies offer discounts for senior drivers who enroll in these courses. Be sure to check your insurance professional for suggestions on courses and if they are eligible. Some companies offer senior driver discounts if these courses are taken and a driver has the necessary driving history.
Car insurance for senior drivers can be very expensive. Older drivers often have higher rates than younger drivers due to their age and fragility. Because the elderly driver is more vulnerable than younger drivers, auto insurance for elder drivers can be significantly higher than for younger drivers. The average full coverage rate for an 85-year-old driver is $2,165 – a whopping 44% higher than for a sixty-year-old. So, it’s clear why elderly drivers should seek out affordable coverage.