| By :
Marilyn Katz
We all know that teens are considered a high risk group by auto insurance companies. But did you know that seniors may be regarded as risky too? This means it can be tough to find low cost car insurance premiums for senior citizens! While seniors have some really positive things in their favor, like maturity and lots of experience, they may also have some issues. While a teen lacks this maturity and experience, they usually have good eyesight and fast reflexes Seniors may have some age related health problems which cause a decline of physical functioning. Many of us lose vision as we get older. Night vision becomes progressively worse as well. It is very important for senior drivers to keep up with their vision exams to make sure that their eyesight can be corrected well enough to drive safely. Our muscles also tend to lose tone which makes us weaker. Muscle or joing pain, caused by athritis, is common. It can make it harder to react quickly. Even the best older drivers may find that it is more difficult to operate a vehicle, especially in high traffic situations This is why rates can go up for senior drivers. Rates may start to increase about age 70. Some insurers will not accept drivers over 80 though others will insure drivers up to age 99. Any bill that increases can be hard for seniors to budget for. Since lots of older and retired people have to make do on a fixed income, higher premiums may be impossible to budget for. There are some ways to save money though. Since many older people have retired, they may not need to drive as much as younger workers who need to commute to jobs. If the older person does not drive very often, they may qualify for low mileage rates. If you are shopping for a different vehicle, you want to make sure you purchase one of the safer cars too. Insurers do charge lower rates for cars that they consider safer. As with any driver, it is important to shop around for the best rates. Insurers are not all the same. Sometimes older people have had a long history with one particular company or another. But this may not always be the insurer who is willing to offer the best price or policy. Online quote forms make it fast and simple to compare prices and plans to make sure you find the best insurer for your current needs! Do you care for an aging person. Before you let them drive, be sure they can handle the car safely. You will not be doing that older person a favor by allowing them to drive when illness or infirmity makes them unsafe. They can hurt themselves, and they can hurt other people! Taking away car keys may be very difficult, but it is possible to find other forms of transportation. Your community may have low cost or even free, senior transportation. Some senior health plans offer free rides to medical appointments as a benefit. This will help keep the older person safe, and it will give your whole family peace of mind.
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