Like all drivers, senior citizens (or as I like to call them ’seasoned citizens’) want to get the best money-saving rates on their auto insurance policies. What they may not be aware of is that older drivers may present a higher risk than other drivers, usually leading to higher auto insurance rates.
Eleven Money-Saving Auto Insurance
Following a few simple tips and taking these measures will ensure that you are getting the lowest rates possible on your auto insurance policy.
1. Avoid more collisions by paying close attention at intersections. Seniors are frequently involved in car accidents at junctions. If you intend to change lanes fast after an intersection, make sure to glance ahead. Pay attention to protected left turn lanes with their own arrows, and always keep your tyres pointed straight ahead when stopped to avoid being pushed into oncoming traffic in the event of a rear-end collision.
2. Follow the traffic flow, Drive at or near the posted speed limit. Driving too slowly can be equally dangerous as driving too fast, particularly while entering or departing interstates or highways. It can also cause dangerous “road rage” among impatient drivers. You don’t have to be Mario Andretti, but staying to the right and following the traffic flow is the safest bet.
3. Many offences include failure to cede right-of-way, improper turning, or erroneous lane changes, so stay up to date on new traffic rules.
4. The National Highway Traffic Safety Administration recommends that you sit high enough in your seat to view at least 10 feet in front of your vehicle. If your car seat cannot be adjusted to accommodate this, add a cushion. This will make it easier to see pedestrians and bike riders, as well as lessen nighttime glare from incoming headlights.
5. Do not drive at night when wearing sunglasses or tinted glasses. Because many elderly drivers’ night vision is impaired, it is best not to drive at twilight or after dark.
6. Make sure you understand how to drive a new car. Anti-lock brakes, for example, behave differently under slick conditions. If you’ve never driven a car with anti-lock brakes before, make sure you obtain sufficient instruction.
7. Senior drivers can renew their skills and knowledge, Perhaps because of physical changes associated with age that affect eyesight, hearing and cognitive ability, senior drivers tend to be more cautious. For example, they might take safer back roads to avoid congestion on major thoroughfares; they may steer clear of rush-hour traffic.
An older person is also more likely to avoid driving altogether when weather conditions are less than ideal, such as during a rainstorm or at night when visibility will be hampered. as well as receive a discount on auto insurance in many jurisdictions, by enrolling in a refresher driving course, such as AARP’s eight-hour “55 Alive” course. More than two-thirds of states need such courses to qualify for vehicle insurance policy discounts, and many insurance firms offer the discounts voluntarily.
8. Look for vehicles that have rear-view mirrors that darken automatically and filter out bright glare.
9. Air bag technology has progressed, including sensors that deploy air bags based on the occupant’s weight, minimizing air bag-related injuries. Some new automobiles additionally include side air bags in the seats or door frames, which provide additional protection.
10. Consider fit and comfort while purchasing a new vehicle. Seat belts that fit snugly over your shoulder and low on your lap will keep you safe. Less physical effort is required for automatic transmission, power steering, and power brakes.
11. Last but not least, look into whether companies provide certain services. What about senior discounts? While it is vital to shop around for the cheapest vehicle insurance prices, the insurance company you choose may be determined by how they treat older drivers. If you’re in good health and drive a safe, contemporary vehicle, you’ll get the best rates.