Sometimes driving is the last freedom a senior really has, due to mobility problems or financial constraints. However, as we age our reflexes slow down and our driving abilities are severely compromised. Drivers over the age of 75 have a very high accident rate, often resulting in fatalities. Taking driving refresher courses and a few simple precautions can avoid many of these collisions.
Many insurance companies offer discounts to seniors who have a clean driving
record. These seniors, most of whom work to stay mentally sharp and physically
fit, are generally very alert drivers and they can save on their premiums by
shopping around.
Start with your own agent, then call several others including independent agents
who can give you a quote from several companies. Rates can differ as much as
300%, so it pays to call as many insurance carriers as you can. Going online for
a quote is a quick method for getting several quotes at once. As you sift
through the information you gather, remember to check the coverage that's
included; some discounts come at the expense of covered expenses that you may
need in the future.
Higher deductibles also help save on insurance premiums and having a car of the
type not usually stolen also saves you money. You may want to drop collision and
comprehensive coverage if you own an older car for some significant savings. For
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However, you decide to rearrange your
auto insurance coverage for maximum savings, be sure to
get several quotes and consider the pros and cons of different types of coverage.
An informed shopper gets the best deal!