Automobile Insurance for Senior Citizens

Senior citizens are sometimes assumed to be a high risk class of drivers. As a person ages, they sometimes begin have a harder time with important sense such as sight and hearing - which can seriously affect driving abilities. However, this is not the case for all senior citizens and so it is not fair to assume that just because an individual falls into the category of "senior citizen" that they have impaired sense or cannot drive safely.

Maintaining Independence

Driving is a part of independence that we all know very well. Think about the day you got your driver's license - all of the sudden everything changed. Instead of asking your parents to chauffeur you from place to place, you could now take your friends out on Friday nights. Then there was the moment you bought your first car and no longer had to borrow your parents' vehicles, and that was a momentous occasion as well. Now, imagine having to go back to your adolescent days of asking for rides. This is the feeling many seniors get when their family members take away their driving.

It can be uncomfortable, as an adult, to ask another adult to drive you around. Not being able to drive yourself places is especially difficult if you live alone or do not have a designated caretaker - you may feel stranded or forgotten. Often, out of pride or embarrassment, seniors refuse to ask for help and instead go without basic essentials until someone offers to help. This can be detrimental to all parties involved.

In some cases, it is likely that a person has reached a point where it might be dangerous to get behind the wheel - such as if a senior citizen has dementia or has a very slow reaction time. Some health issues, such as recurring seizures, can put a senior citizen, and other drivers, in grave danger. However, if a senior citizen displays the proper skills necessary to operate an automobile safely, then there is no reason they shouldn't be able to drive themselves around and maintain their independence.

Senior Driver Discounts

Whether you're a senior citizen or simply checking out information for a senior in your family, you should ask your provider about senior citizen driving classes. Often, by taking these classes, a mature driver will have their premiums lowered - though the amount by which they are lowered is largely due to factors like driving record and automobile type. Even if your provider does not offer classes, other organizations, such as the AARP, often provide these classes.

Changing certain aspects of your insurance can also affect your rates - like dropping comprehensive coverage. Or, for example, if you're driving less than you used to, update your policy to reflect this. Also, if you drive an older model car, installing newer safety features may result in lower rates as well. For example, installing an anti-theft system or airbags can often make a big difference. If you drive a car that is expensive to insure, consider trading it in for a car that is cheaper to insure. Generally, if you drive a car that is proven to be safer, then your rates will likely drop.

These days, seniors are doing much more than ever before. As the baby boomer generation ages, concepts about senior citizens are changing and auto insurance companies are noticing. As such, you've probably seen that many automobile insurance for senior citizens are offering discounts to mature drivers in order to keep older people, especially social security beneficiaries, insured on the road. Be sure to compare quotes and talk to agents about how to obtain different discounts.