Senior citizens can receive substantial discounts on their car insurance quotes due to the relatively low number of accidents that tend to involve seniors. There are many reasons that seniors are a better risk for a car insurance company.
Seniors Tend to Drive Fewer Miles
Since most senior citizens are retired, they do not need to drive as far or as often as they used to. Reducing the number of miles driven on a regular basis can lead to substantial discounts for any driver. Seniors just happen to have lifestyles that do not require as much time behind the wheel. Most seniors like to drive to areas that are close to their homes. There is no reason to drive all the way across town anymore because everything they need is within a few blocks. The less time someone spends on the road, the less opportunities they will have for getting into an accident.
Good Driving Records
Car insurance quotes are based on the possibility that someone will need to file a claim with the insurance company. If a senior citizen can show that he or she has not been involved in an accident or received a traffic ticket during the last three to five years, the car insurance quote they receive will be much lower. Seniors tend to drive more carefully than younger drivers, which helps them maintain excellent driving records and keeps their insurance costs low. If a senior maintains a safe driving record, insurance companies will usually offer special discounts as well as lower insurance quotes.
Senior citizens can lower their car insurance quotes by owning newer vehicles. The latest cars are equipped with state of the art safety equipment that can help reduce the severity of injuries if the car is in an accident. Newer cars are also less likely to suffer from mechanical failures that can be dangerous when someone is out on the road. Most new cars also have updated theft deterrents, such as automatic alarms and keyless entry. These high tech safety features will reduce the possibility of a new car being stolen.
Attend Driving School
If a senior is looking for ways t reduce his or her car insurance quote, they should consider attending a safe driving course. Courses on defensive driving are a wonderful way to refresh your memory about how to stay safe on the road. They are also recognized by car insurance companies as ways that seniors can prove that they are at a lower risk for being involved in an accident. Many insurance companies offer their own driver safety classes at a reduced cost for their existing customers. You can find classes through local schools, as well.