Senior Driver Car Insurance

Senior rates for car insurance are typically some of the most expensive on the market. As we age, our motor skills are not what they used to be, and sometimes it happens so slowly that we do not even notice. As a result, drivers over the age of 75 are the group with the most fatalities in daytime crashes. Car insurance companies are aware of these statistics and price senior driver car insurance accordingly: high. In order to combat these steep rates, there are things that healthy seniors can do to qualify for discounts and stay safe on the road at the same time.

• Take an auto safety class. Even though seniors have been driving for decades, new cars often handle differently than older ones and rules are updated and changed all the time. To stay on top of things, a driving class for seniors is the perfect refresher that will not only make them feel more on top of things but will often garner a discount from their car insurance company.
• Choose a car that fits your physical needs. Every driver, seniors especially, should consider the design of their vehicle when making a car purchase. Choose one with fully adjustable seats, mirrors, and display panels. Lap and shoulder belts should be easy to reach and use. Car doors should not be too heavy. Cars ranked higher on safety will help seniors get lower rates on their car insurance.
• Consider physical difficulties. If there are health concerns about, for example, driving at night or on freeways or for long periods of time, ask a doctor what the options are. Sometimes, a few stretches or exercises can help the situation. Other times, it may be easier to avoid certain driving situations. Some car insurance policies for seniors require regular health check-ups, and though there are rarely discounts in this area, it may help keep the premiums from skyrocketing.

Physical issues are the biggest concern for senior drivers. Some specific conditions that may be of particular concern include:

• Recent falling episodes
• Neurological issues
• Diabetes
• Inflammatory conditions like bursitis or arthritis
• Vision issues  
• Foot issues

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