Auto Insurance Tips for Senior Drivers

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.

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