Senior Citizen Drivers: Insurance For Your Car

The CDC reports that 500 seniors (ages 65+) are injured in automobile accidents everyday in the United States. Despite the high risks associated with older Americans on the road, seniors value the freedom and independence that staying on the road gives them. Therefore, it is important to consider ways to limit the risks for these 33 million drivers.

Limiting Risk Factors

The risks are greater if…

  • Drivers are 75-80 years old.
  • Drivers have had a decline in vision or cognitive function.
  • Drivers are male.
  • The weather is bad.
  • Seat belts are not worn.

To limit these risks, senior drivers should exercise regularly to improve strength, flexibility and all-around health. They should also talk to their doctors about finding medications that do not produce side effects that will impair their ability to drive. Eye exams should be completed each year. Seniors should identify the safest possible route along well-lit roads, intersections with turn arrows and easy access to parking. They should leave a large following distance ahead of them at all times and opt to drive during clear weather and daylight as much as possible.

Low Auto Insurance For Seniors

Most seniors will qualify for one of several auto insurance discounts. Adults and retirees who reach the age of 50 or 55 generally get 5-10 percent off. Defensive driving courses can reduce rates by 10 percent for a three year period. The best way to keep auto insurance low is to drive safely and avoid tickets or accidents, but you can also save by switching to a different provider, so get your free auto insurance quote today. It only takes a few minutes and there is no obligation!

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Photo by The Associated Press