Looking for auto insurance for the elderly means you would have to do a lot of research since there is no pro-forma answer to all your questions or a pro-forma insurance policy for seniors for that matter.
Auto insurance quotes can differ from insurer to insurer and can also differ because of your age as well as the changes in your driving history and your mileage, which is the main reason why you need to do research. How does one save on elderly car insurance premium? Before answering this question however, a more important question needs to be raised ? why is car insurance for senior citizens so expensive? According to experts, seniors are very susceptible to being involved in daytime traffic accidents. Although our elderly have decades of driving under their belts, a decline in terms of one?s driving skills is inevitable and this is something that their children should take a look at. One important issue is when to have the parents stop driving.
For those whose parents are still driving, it is important to note that elderly car insurance can be quite expensive not only because elderly drivers now react slower than they used to but also because they take regular medication which is akin to being drunk or drugged. Driving under the influence of course does not cover this situation but it is definitely one of those things that many insurers take into consideration when providing elderly folks with car insurance quotes.
How does one lower these expensive rates though? Some insurance companies offer senior discounts but not all of them have this as a rule so it is best to do a bit of digging on which companies offer it and which do not. Those who are members of organizations that cater to retired and elderly individuals can also get a pre-arranged discount courtesy of their organization ? all one has to do is join such an organization to save a bit of cash.
Of course, the make and model of one?s car along with its safety features are also important factors that insurers take a look at. The safer the car you have, the lower your auto insurance premium will be. Your mileage is also another indicator which means that the lesser you drive, the bigger the auto insurance discount you will get.
This entry was posted on October 24, 2012, 8:53 am and is filed under Uncategorized. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.
Source: http://www.adxunimark.com/considering-auto-insurance-for-the-elderly.html
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