The auto insurance rewards people over fifty for their experience behind the wheel. Though older drivers my pose a higher risk than other drivers resulting in higher rates on their car insurance, there are ways to lower their rates. The seniors have fixed incomes and also drive less. They need to take an exam to get their licenses are renewed. Purchasing a safer car and taking defensive driving course are good ways to save money by getting lower auto insurance rates.
The partnership of AARP with The Hartford offers a 12 month rate protection and lifetime renewal in their exclusive auto insurance plan for the seniors.
The benefits of senior auto insurance are:
· Lifetime repair warrantee
· Lifetime renewal
· Fast and smooth claim settlement
· Full new car replacement guarantee
· Online customer service and facility for claim reporting, bill payments etc.
Senior drivers above the age of fifty can get lower rates auto insurance in these ways:
- You may get a group rate which is always cheaper by enrolling as a member of a neighborhood association or church etc.
- Always follow the traffic and keep close to the speed limit.
- Driving very slowly is dangerous when entering or exiting freeways or interstates as it can create road rage in the impatient drivers.
- Avoid accidents especially at the intersections as this is the place most accidents of seniors occur. More attention is required at left turn lanes. Point your tires straight when stopped to avoid rear end accident that can push you towards the oncoming traffic.
- Update your knowledge of the changing traffic laws relating to the new traffic designs. The common violations are yield right-of-way, incorrect lane changes or improper turning.
- Sit high in the seat to be able to see at least 10 feet ahead of your car. This way you will be able to see the pedestrians or bikers. This is also helpful in avoiding problems due to glare of oncoming headlights during nights.
- Refreshing your driving knowledge can entitle you for a discount on your auto insurance available in many states. Take a refresher driving course offered by AARP to get this discount.
- Comfortable seat belts and automatic transmission, power steering and power brakes reduce physical effort and keep you safer.
- Lower your deductibles as the car may not be worth the amount of deductible. Buying a car that is cheaper to insure is a good idea to keep your car insurance expenses low.
- Use more public transport and senior taxis or friends or family members to help you move around.