subject: 5 Car Insurance Tips For Senior Drivers [print this page] 5 Car Insurance Tips For Senior Drivers
With fixed incomes and a stream of essential purchases and expenses the senior citizens have to be frugal in their spending and this is more so in case of senior drivers who have to have an auto insurance to top it all. Most drivers are not aware of the benefits offered by insurance companies for older and mature drivers. Here are a few simple tips to guide you to save money in your auto insurance to ensure that you get the lowest rates possible on your insurance policy.
* Convenience may very well be one of the factors for senior drivers but staying with the same car insurance company for years may not be a good idea after all. Review your policy for better deals and potential savings and shop for low insurance rates and analyze coverage and compare premiums like you would do for any other product in the market. Check what others are offering for the best bargains. Try negotiating with the existing service provider as retaining an existing customer is a first priority for most insurance companies even if it means lowering their rates.
* Use discounts you are eligible for. Senior drivers qualify for a multitude of discounts, a thorough research and follow-up will help you get them. Senior retired drivers or those not employed full-time may be eligible for a discount of up to 5% depending on age and the insurance carrier. More than two-thirds of states in the US mandate auto insurance policy discounts for drivers taking the defensive driving course. This could help reduce auto insurance premiums by as much as 15%, which could be something around $300 - $500 on their insurance for a period of three years or so.
* Maintaining a clean record always works in favour of mature drivers.Insurance rates are directly proportional to a driver's record on road. Mature drivers over 50, like women drivers are seen as responsible drivers for whom car insurance is generally cheaper as they are less likely to cause accidents and hence claim insurance. So it will pay in the long run to drive safely so follow the flow of traffic and avoid accidents.
* A "low profile" car equipped with money-saving safety features is the best bet for senior drivers. A safe car with power brakes and power steering and automatic transmission that require less physical effort is the one to go with for senior drivers to keep them safe on the roads. A healthy mature driver with a safe car ensures the best insurance rates.
* Personal Injury Protection (PIP)is another way to save on insurance cover for senior drivers as some car insurance companies provide a discount if a minimum amount of the driving mileage is by anyone over a specified age.
Following the above tips our most experienced drivers can save a major chunk of their fixed income that goes into paying the auto insurance premiums.
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