Like all drivers, seniors want to get the best rates on their auto insurance
policies. What they may not be aware of is that older drivers may
present a higher risk than other drivers, usually leading to higher auto insurance rates.
Following a few simple tips and taking these
measures will ensure you are getting the lowest rates possible on your
auto insurance policy.
1. Avoid more accidents and pay close
attention at intersections. Auto accidents involving seniors often occur
at intersections. Pay attention to protected left turn lanes with their
own arrows and always keep your tires pointed straight ahead when
stopped, so that a rear-end accident doesn't push you into oncoming
traffic.
2. Follow the flow of traffic and drive at or
near the speed limit. Driving too slowly can be just as dangerous as
speeding, especially when entering or exiting interstates or freeways.
It can also trigger dangerous "road rage" in less patient drivers.
3. Many violations include failure to yield
right-of-way, improper turning or incorrect lane changes, so keep
current on the traffic laws relating to new traffic designs.
4. Sit high enough in your seat so that you
can see at least 10 feet in front of your car, advises the National
Highway Traffic Safety Administration. If your car seat does not adjust
to allow this, add a cushion. This will make it easier to see
pedestrians and bike riders, and reduce problems from oncoming
headlight glare at night.
5. Senior drivers can refresh their skills
and knowledge -- and get a discount on auto insurance coverage in many
states -- by taking a refresher driving course, such as the eight-hour
"55 Alive" course offered by AARP. More than two-thirds of states
mandate auto insurance policy discounts for such courses, and many
insurance companies offer the discounts voluntarily.
6. Consider fit and comfort in your new car.
Seat belts that comfortably fit over your shoulder and low on your lap
will keep you safer. Automatic transmission, power steering and power
brakes require less physical effort.