Looking for cheap auto insurance for senior drivers in Florida? Congratulations, your search is over. Here you can find all the essential information regarding auto insurance for senior drivers. You can save up to $600 by comparing quotes online. Get instant free quotes now and see how much you could save today.
Who is considered as a senior driver?
Many people don’t realize that insurance companies have a different view on seniors. In society in general, as senior citizens are considered people aged 65 or over. As far as insurance companies are concerned, a senior driver is every one over 55 years old. Yet again, older drivers are divided in 2 further groups – those aged under 75 years and those aged over 75 years.
We have an ageing populations and insurance companies are well aware of it. With maturity people tend to change their driving habits too.
Insurance rates for senior drivers
Age, driving history and the type of car you drive are some of the fundamental factors used to calculate auto insurance rates for senior citizens. Statistics show that older people are in general careful and law abiding drivers. Not many tickets for speeding or reckless driving are issued to grandmothers. Fast and expensive sports cars are also not a common sight in the garages of senior drivers.
When it comes to driving, maturity has it good sides. Insurance data suggest that older drivers use their cars less. The only cons are often deteriorating sight, which affects night driving in particular, and slower reflexes.
If you are under 75 years old and have a good driving record, your car insurance rates will be lower than the average. If you are aged 75 or over, insurance companies will, in most cases, put you in the high risk category and you may seen an increase in your premiums.
Cheap auto insurance for senior drivers
If you are still driving your old car, which of course has a sentimental value to you, you may find yourself in a tricky situation. Not only are older cars less economical but sometimes their value is less than the yearly insurance premiums. Exchanging it for a more economical vehicle full with safety features will save you a lot of money on insurance.
Taking a defence driving class is a very good idea too. Insurance companies reward drivers who have taken such classes with cheaper insurance rates.
The easiest thing you can do to find cheap auto insurance for senior drivers is to compare quotes online. Insurance experts recommend getting at least 3 quotes from different companies. You will be surprised by the difference in rates. Some people save up to $600 on auto insurance!
What are you waiting for? Get instant, no obligation, insurance quotes now and see how much you could be saving.