When a driver hits a certain age, their car insurance premiums begin to increase. This may make getting auto insurance for seniors a bit more of a challenge, even with a clean driving record. But if drivers shop around online, they’re much more likely to find a policy that’s right for them.
On average, older drivers obey traffic laws, drive more carefully, and have many years of experience at driving. AAA’s data indicates that drivers in their late 50s and early 60s are the safest of any age group. Once seniors are in their mid-60s, however, they begin to have more accidents. Most statistics released by the car insurance companies show that the older the driver, the more likely that driver is to get into a fatal crash. This can make it especially difficult to get affordable auto insurance for seniors over age 75.
There are a few ways to reduce the cost of auto insurance for seniors, however. Seniors are generally retired so they no longer have to commute to work every day. Many insurance companies have a low-mileage discount for those who drive 10,000 miles or less each year. More safety features also reduce premiums, so seniors should look into car alarms, airbags, automatic seatbelts, and other insurer-approved devices. Insurance companies may also reward safe driving courses like the AARP’s 8-hour “55 Alive” program. The National Safety Council, AAA, and other driving schools also offer similar courses, though drivers should make sure that insurance companies recognize a class before they enroll.
The most important factor in finding cheaper auto insurance for seniors is to shop around online. Comparing several different quotes is the best way to get great coverage for the lowest price. AiQuotes offers competitive insurance quotes from various insurers, so take advantage of our comparison system and fill out a free no obligation quote today.
