Docstoc

Auto Insurance for Older Drivers

Document Sample
Auto Insurance for Older Drivers Powered By Docstoc
					It is a known fact that drivers 55 years old and above tend to be involved in less
accidents than other age groups due to their longer driving experience and their
propensity to drive cautiously and less aggressively. They are also less likely to speed
or to be going excessively fast for the conditions they encounter. Due to reasons like
this, lots of automobile insuring companies give discounts on auto insurance
premiums to older drivers who have safe driving records.

However, older drivers are more prone to die in an automobile accident, when you
consider average number of miles driven, compared to any other age group except for
the very young and inexperienced drivers. This higher death rate is directly related to
the fact that senior drivers, with the results of age, are more apt to die from their
injuries in an automobile accident than younger drivers.

Additionally, most older drivers have slowing reflexes, deteriorating vision and
hearing loss, or are taking prescription medicines that compromise their capacity to
remain alert. Therefore, if you are noticing trouble with glare or seeing at night, or
driving when the weather is bad or on snow or ice, or during busy, rush-hour traffic,
you then ought to use good wisdom and not drive if conditions are unsafe for you.

Today there exists an ever-increasing number of options available to elderly drivers in
order to help them in increasing their driving skills and, helping them to be responsive
to their deteriorating driving abilities and to alter their driving to accommodate those
declining abilities. Many automobile insurance companies have joined with municipal
and state governments, and a variety of special interest groups, to create programs that
are specially tailored for the distinctive driving requirements of seniors. To further
address this situation, many states now regularly seek to identify older drivers with
diminished driving skills, endeavoring to help regulate those senior drivers who are
either unable or unwilling to modify their driving routines voluntarily.

In regards to preserving your automobile insurance coverage, if you insist on driving
when you no longer possess the physical capability to drive safely, at that time your
insurance company may well elect to discontinue your automobile coverage. In just
about all states, without auto insurance coverage you cannot lawfully drive any longer.
In order to help safeguard your driving freedoms you can avail yourself of some of
the courses that are presented to older drivers to assist them improve their driving
safety skills and abilities. As a result of participating in such a course you are not
simply protecting your driving privileges but, by notifying your car insurance
company about the course, you may also qualify for a discount on your vehicle rates.

As a senior driver, in addition to the reduced price due to completing a senior
defensive driving course, you will save additional money on your automobile rates by
comparing automobile insurance quotes from various companies. The best method to
do this is to use an internet car insurance quote service to locate the companies that
will provide you, as an older driver, the most affordable rates. The savings on your
auto insurance vary from one company to another and can be substantial. With that in
mind make sure to make the best of this savings opportunity.

				
DOCUMENT INFO