Senior Drivers - Car Insurance Tips That Save Money

If you or a senior driver you know is still fit to be behind a vehicle's wheel, they shouldn't do so unless they have the right insurance coverage. Driver safety and insurance rates can change throughout the years, so paying extra attention to these car insurance tips is best for senior drivers to get the right deal and protection.  

Look for Senior Driving Courses  

Learning safe driving tips for seniors is vital to ensuring safe driving practices on the road. Many insurance companies offer safe driving courses where seniors can learn driving techniques they'll need on the road. Best of all, companies often provide an insurance discount upon course completion.  

Some companies can even allow to pay for the course with crypto. If you buy Dogecoin on Paybis , don't miss the chance to spend that on car insurance.

If you are unsure of your driving skills or think your senior parent might have declining driving skills, getting an assessment is a good idea and provides everyone with greater peace of mind. 

AAA says driving assessments include driving skills evaluations and clinical driving assessments. A driving skill evaluation consists of an in-car evaluation of the driver's skills. Clinical driving assessments help identify the underlying medical causes of any declines in driving skills and possible ways to address them. The goal is always to make driving safe.

Check for Mileage Cap Discounts  

If you or the senior you know will not be driving very often, a mileage cap insurance plan may be the right choice. This type of plan offers a fixed rate if you or your loved one drives under a certain number of miles. 

Insurance companies give discounts to drivers that drive few miles since they are less risky. Some insurance companies will install a monitor to see the total number of miles a person drives and even how the person drives. 

Join Organizations  

Senior organizations are another simple way to get discounts on insurance coverage. For example, being an AARP member has many perks related to auto insurance companies.  

Drop Unnecessary Coverage  

Before committing to a policy, double-check all the coverage it offers. Many older drivers drive older vehicles. You may not need full comprehensive coverage on an older vehicle.

For example, for retired couples who own two vehicles, the need for the rental car reimbursement on an auto policy is less. Consider dropping it and save money. Your auto insurance agent can review your coverage and see areas to save money.

Drive a Safe Car  

Investing in a newer car as a senior driver might not sound like the most attractive option, but new technology does reduce liability. Certain technology, such as rear view cameras and collision avoidance systems, is an easy way to avoid crashes that result in claims and higher car insurance costs.  

The technology of newer cars can also help keep you out of an accident. A better driving record will also lower your auto insurance premiums. Good driver discounts can range from 15 to 40%.

Check Your Health

Be sure you check your health to be sure it is safe for driving. Do not forget to check hearing and vision regularly. Both hearing and vision start to decline after you reach age 50. You can have all the safety technology on a vehicle, but if you cannot see or hear, it will not help. 

Sometimes night vision becomes a problem. The simple solution is to avoid driving at night. If you think you have a problem with night driving - you probably do have a problem. Use a driving service like Uber or a taxi if you must get somewhere at night.

Don't forget to consider bundling your auto and home or renter's insurance policies. Many insurance companies will provide discounts if you insure both your home and your vehicle. 

The ability to drive is a fundamental right to freedom for some seniors. However, costly insurance rates can be discouraging. Follow these car insurance tips for senior drivers to get a low-cost rate that will keep you or your loved one on the road.