Senior Drivers - Auto Insurance Tips
Senior Drivers - Auto Insurance Tips
Like all drivers, senior drivers (or "seasoned drivers" as I like to call them) want to get the best rates on their auto insurance. They sometimes don't understand that they might pose a higher risk than other drivers, usually leading to a higher premium.
By following the simple tips listed you will ensure you are getting the lowest possible rate on your auto insurance policy.
Like all drivers, senior drivers (or "seasoned drivers" as I like to call them) want to get the best rates on their auto insurance. They sometimes don't understand that they might pose a higher risk than other drivers, usually leading to a higher premium.
By following the simple tips listed you will ensure you are getting the lowest possible rate on your auto insurance policy.
Avoid Accidents. Make sure you look ahead and pay close attention to intersections. Accidents involving seniors often occur at intersections. Look ahead if you plan to quickly change lanes after an intersection. Keep your tires pointed straight ahead when stopped in protected left turn lanes with their own arrows. That way if you are rear-ended you will not be pushed into oncoming traffic.
Follow the flow of traffic. Driving too slow can be just as dangerous as speeding, especially when you are exiting or entering interstates or freeways. Dangerous road rage' can be triggered in less patient drivers. You don't have to be a racecar driver, but following the flow of traffic and staying to the right is the safest bet.
Violations that occur frequently are improper turning or incorrect lane changes and failure to yield right-of-way. Keep current on traffic laws and new traffic designs.
Make sure you can see. Sit high enough that you can see 10 feet in front of your car. If you car does not allow this, add a cushion. This will also help you see pedestrians, bike riders and reduce oncoming headlight glare at night.
Limit driving after dark. Night vision can sometimes be reduced in older drivers, so safety dictates not driving at twilight or after dark.
If you get a new car learn how to operate. If you have never operated a vehicle with Anti-lock brakes they can sometimes operate differently in slippery situations. Be sure to get training on proper use.
Take a refresher course. A discount is sometimes available on your auto insurance if you take a course to refresh y our skills and knowledge. These are called "55 Alive" and offered through AARP.
Look for autos that filter out headlight glare and automatically dim.
Look for vehicles with air bags. Air bags have become more advanced with sensors that deploy bags based on the weight of occupant, reducing bag-related injuries. You might want to consider a vehicle that has seat or doorframe air bags that offer better protection.
Make sure your seat belt fits properly. Your seat belt should fit comfortably over your shoulder and low on your lap to keep you safer. Power steering, power brakes and automatic transmission are options that require less physical effort from the driver as well.
Last but definitely not least, check to see which insurance carriers offer specific "Senior Discounts'. It is important that you shop around for the best rates as well as checking out how well they treat their "seasoned drivers". Of course, you will get the best rate if you are a safe driver, healthy, and drive a modern vehicle.
Like all drivers, senior drivers (or "seasoned drivers" as I like to call them) want to get the best rates on their auto insurance. They sometimes don't understand that they might pose a higher risk than other drivers, usually leading to a higher premium.
By following the simple tips listed you will ensure you are getting the lowest possible rate on your auto insurance policy.
Avoid Accidents. Make sure you look ahead and pay close attention to intersections. Accidents involving seniors often occur at intersections. Look ahead if you plan to quickly change lanes after an intersection. Keep your tires pointed straight ahead when stopped in protected left turn lanes with their own arrows. That way if you are rear-ended you will not be pushed into oncoming traffic.
Follow the flow of traffic. Driving too slow can be just as dangerous as speeding, especially when you are exiting or entering interstates or freeways. Dangerous road rage' can be triggered in less patient drivers. You don't have to be a racecar driver, but following the flow of traffic and staying to the right is the safest bet.
Violations that occur frequently are improper turning or incorrect lane changes and failure to yield right-of-way. Keep current on traffic laws and new traffic designs.
Make sure you can see. Sit high enough that you can see 10 feet in front of your car. If you car does not allow this, add a cushion. This will also help you see pedestrians, bike riders and reduce oncoming headlight glare at night.
Limit driving after dark. Night vision can sometimes be reduced in older drivers, so safety dictates not driving at twilight or after dark.
If you get a new car learn how to operate. If you have never operated a vehicle with Anti-lock brakes they can sometimes operate differently in slippery situations. Be sure to get training on proper use.
Take a refresher course. A discount is sometimes available on your auto insurance if you take a course to refresh y our skills and knowledge. These are called "55 Alive" and offered through AARP.
Look for autos that filter out headlight glare and automatically dim.
Look for vehicles with air bags. Air bags have become more advanced with sensors that deploy bags based on the weight of occupant, reducing bag-related injuries. You might want to consider a vehicle that has seat or doorframe air bags that offer better protection.
Make sure your seat belt fits properly. Your seat belt should fit comfortably over your shoulder and low on your lap to keep you safer. Power steering, power brakes and automatic transmission are options that require less physical effort from the driver as well.
Last but definitely not least, check to see which insurance carriers offer specific "Senior Discounts'. It is important that you shop around for the best rates as well as checking out how well they treat their "seasoned drivers". Of course, you will get the best rate if you are a safe driver, healthy, and drive a modern vehicle.
Like all drivers, senior drivers (or "seasoned drivers" as I like to call them) want to get the best rates on their auto insurance. They sometimes don't understand that they might pose a higher risk than other drivers, usually leading to a higher premium.
By following the simple tips listed you will ensure you are getting the lowest possible rate on your auto insurance policy.
Avoid Accidents. Make sure you look ahead and pay close attention to intersections. Accidents involving seniors often occur at intersections. Look ahead if you plan to quickly change lanes after an intersection. Keep your tires pointed straight ahead when stopped in protected left turn lanes with their own arrows. That way if you are rear-ended you will not be pushed into oncoming traffic.
Follow the flow of traffic. Driving too slow can be just as dangerous as speeding, especially when you are exiting or entering interstates or freeways. Dangerous road rage' can be triggered in less patient drivers. You don't have to be a racecar driver, but following the flow of traffic and staying to the right is the safest bet.
Violations that occur frequently are improper turning or incorrect lane changes and failure to yield right-of-way. Keep current on traffic laws and new traffic designs.
Make sure you can see. Sit high enough that you can see 10 feet in front of your car. If you car does not allow this, add a cushion. This will also help you see pedestrians, bike riders and reduce oncoming headlight glare at night.
Limit driving after dark. Night vision can sometimes be reduced in older drivers, so safety dictates not driving at twilight or after dark.
If you get a new car learn how to operate. If you have never operated a vehicle with Anti-lock brakes they can sometimes operate differently in slippery situations. Be sure to get training on proper use.
Take a refresher course. A discount is sometimes available on your auto insurance if you take a course to refresh y our skills and knowledge. These are called "55 Alive" and offered through AARP.
Look for autos that filter out headlight glare and automatically dim.
Look for vehicles with air bags. Air bags have become more advanced with sensors that deploy bags based on the weight of occupant, reducing bag-related injuries. You might want to consider a vehicle that has seat or doorframe air bags that offer better protection.
Make sure your seat belt fits properly. Your seat belt should fit comfortably over your shoulder and low on your lap to keep you safer. Power steering, power brakes and automatic transmission are options that require less physical effort from the driver as well.
Last but definitely not least, check to see which insurance carriers offer specific "Senior Discounts'. It is important that you shop around for the best rates as well as checking out how well they treat their "seasoned drivers". Of course, you will get the best rate if you are a safe driver, healthy, and drive a modern vehicle.
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