If you are over 70 years old, chances are that you’ll still want to figure out what your options are for auto insurers and policies. It can be tough to find a good rate on car insurance for older drivers because as you get older, insurers tend to charge higher rates for their coverage. The reason that they charge higher rates is based almost completely on statistics. For older drivers, the statistics show that people over the age of 65 are at an increased risk of getting into an accident; since this is the case, insurers justify their price increases. As long as you don’t mind paying for auto insurance when you surpass your 70th Birthday, chances are that you will easily be able to find an insurer that will be able to help you out with a policy. Most qualified auto insurers are not going to deny you business just because you are over a certain age.
Drivers Over 70: Getting Deals on Insurance
The easiest way to get yourself a good deal on your auto insurance is by comparing over 70 car insurance quotes. You can use the internet to help you narrow down your search. Most companies have websites that you can go to and request a free quote or price estimation; this is definitely something that you should take advantage of. I wrote an article about getting over 80 car insurance coverage, and most of the fundamental information is similar – so you can check that out as well for some additional tips if you would like. When you are over age 65, you are grouped with other older drivers. The only thing that cause significant price differences within your age group are: the type of policy that you buy, whether you have a good or bad driving record, and the type of vehicle that you are getting insured.
How to Get Lower Rates as a Driver Over 70 Years Old
There are a few things that you can do in order to further reduce your over 70 auto insurance rates when you have selected a company that you are satisfied with. Always take advantage of savings opportunities to help keep your price low and money in your pocket.
Take a higher deductible – If you want to get a better price on your car insurance, consider taking a higher deductible. There are advantages and disadvantages associated with both high and low deductibles. When you take a higher one, you are going to save money on your premiums. When you take a low deductible, you spend more, but will also get additional coverage.
Drive less often – If you can cut back on the amount of time that you drive, you could find yourself saving some money. Although you probably don’t want to get a pay as you go insurance policy, you can qualify for savings from driving less often. In order to qualify for this, be sure to talk to your insurance agent.
Take driving classes – A very simple, practical solution to overcoming high auto insurance premiums is to take driving classes. Ask your insurer which classes you can take in order to qualify for extra savings. If all works out, you should end up saving a decent percentage off of your next premium.
Final Note to Drivers Over the Age of 70
There are a lot of ways that you can save money, no matter if you are a driver over 70 or under 25; everybody is going to qualify for different types of savings and discounts when they sign up for an insurance policy. If you don’t know what discounts you can get, make sure you ask; never be scared to ask what you qualify for as far as savings are concerned. Getting auto insurance over 70 years of age can be somewhat of a time consuming process to find the best overall provider, but it will be worth it if you plan on taking the wheel as an older driver.