Drivers between the ages of 65 and 70 are at an increased risk of being in an auto accident and so may face rising auto insurance premiums. However, you may be able to secure a lower rate by usage-based programs and senior citizen discounts, as well as maintaining a clean driving record. After age 75, you may want to look into defensive driving courses to lower your rates. Bundling and reducing mileage can also lower your rates.
Other Considerations for Senior Drivers
Older drivers tend to be in more accidents. This risk means steeper insurance rates starting around 65 or 70 and taking a jump after 80. Factors such as slower reflexes and impaired vision can affect someone’s driving ability. Fortunately, many insurers will offer a discount of 5% or more for drivers over the age of 55 if they complete an approved defensive driving course. You may want to take other safety measures to adjust your vehicle for maximum safety and comfort such as installing larger mirrors making use of power steering. Programs such as CarFit can give you more tips. Lower mileage and safe habits like always wearing your seat belt can lower your premiums. In any case, you’re encouraged to shop around, compare rates and look into bundling policies. If you maintain a clean driving record free of tickets and accidents this can serve to reduce your insurance rates at any age.
Capalbo Insurance Group LLC Serving South Kingstown RI
If you are in or near South Kingston, RI and need auto insurance, we at Capalbo Insurance Group LLC will be happy to help. Give us a call today.
