There’s a simple unavoidable fact. We all grow older and, when you
look around you, it’s obvious the boomers are all reaching retirement
age, although for financial reasons, not all are actually retiring. Some
years ago, the Insurance Institute of Highway Safety suggested that, as
the population aged, there would be a steady increase in claims. In
fact, the number of claims by drivers aged 75 and over has been falling.
This has come as a relief to the families of seniors. No one wants to
play the heavy and take the keys of the vehicle away from a parent or
grandparent. Indeed, as more local shops have gone out of business in
the bad economic times, being able to drive to malls and shopping
centers has become even more important.
So what can families
do to protect their seniors and get the lowest possible insurance rates.
The answer comes in several stages. The first is health. The more
active seniors stay the better. Both in ordinary life and specifically
for driving, there are a number of programs run by doctors and
occupational therapists to modify vehicles to make them safer and easier
to drive. There are also defensive driving courses approved by
insurers. The combination of modifications to the vehicle and additional
tuition offers discounts. Get as many free auto insurance quotes as possible to check the range of rates on conventional policies.
The
next step is to explore the pay-as-you-go policies. This involves
fitting technology to your vehicle or adapting the manufacturer’s
onboard computers to communicate with the insurers. With proof of low
milage at off-peak times, the premium rates are heavily discounted. With
confirmation of safer driving practices, the rates come down even
lower. Use the access to free auto insurance quotes
to get as much information as possible as to what options are available
in your state. Once you have the right policy in place, it’s just a
case of driving safely and avoiding an accident. Even if this means
driving more slowly and keeping to the routes you know the best, this is
the best way to keep you insured at the lowest possible rates for as
long as possible.
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