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Cheap Car Insurance Quotes: Tips For Elderly Drivers

Seniors aged over than 75 are the highest group of age involved in car accidents. This statistic reflects also in insurance rates which also go up when it comes to get fair insurance quotes for elderly drivers. You may find it useful to use the following tips if you need good insurance rates.

Before even seeking for driver insurance, make sure that you as a senior do not suffer from slower reactions time. Children of the elderly could notice aging factors which affect the driving skills of the senior. It is not the time to decline the truth because of some pride which may cost your family member when you are involved into a car accident. Over 75, a senior may suffer from limited mobility due to diseases. Their immediate reaction time may suffer from this and it is not advisable to obtain driver insurance in such cases.

Hearing and vision loss are aging signs commonly associated with the seniors. You will also be aware of the fact that some seniors are cautioned against driving under some medication. Whatever the case, you may have to reason the elderly driver and convince him of the urgency of quit driving because of the dangers associated with his conditions. By the time, you may not need to look for a driver insurance rate.

However, some senior drivers can still drive. They should be informed of programs available for them including auto insurance discounts which are available all over the country. If the senior is a member of the AARP (American Association of Retired Persons), he can receive various drivers’ insurance advantages. Remember that even active drivers may pay more or less premiums depending on their geographical location. Members of the AARP situated in New York could pay more premiums than those of Nebraska or Kansas. But the prices are often discounted when compare with the national average insurance rate.

Senior drivers very confident with their driving skills should take defensive driving courses. Some of the most renowned insurance companies reduce the rates for elderly drivers who have taken defensive courses. The save up could go up to 15%, and the course is very cheap: 10 USD for a two day course. Another solution may consist in convincing your insurance agent that you need to combine your vehicle and your home insurance with their company. They may also accept to lower the premiums.

Some states have added specific requirements for senior drivers and need to be informed of the drivers’ health conditions. When you comply with these regulations and accurately inform your state’s Department of Motor and Vehicles, insurance companies may also accept to lower your insurance rates. Want to know more about that? Then enter your ZIP code at the top of this page and compare all the senior driver car insurance quotes available in your area.