It is said that being a senior is not for sissies. When it comes to car insurance for a senior that could not be truer when one is an aging driver.
The American Automobile Association is the “authority” when it comes to the older drivers in the U.S., and for good reason. AAA and of course, AARP, the American Association of Retired Persons, are our watchdogs.
For instance AAA reports that persons aged in their late 50’s up to early 60’s are considered being among the safest drivers in the United States. However, past that age, senior drivers are likely to get into an accident that involved not only perception loss but also hand eye coordination skills.
Statistically, the older the driver, the more apt that driver may get into a fatal crash.
That’s a very staggering fact, considering that baby boomers and their senior parents are now nearing the time when they begin to advance in age where those statistics will apply to them. They will soon become a greater percentage of on the road drivers.
It’s not as if one were trying to insure a teen driver, but rates for older drivers climb steadily once a person reaches the mid 60’s. The rates rising is not always bad news, for at times those rate hikes prevent troubled senior drivers from staying on the road. In general the majority of aging parents are safe accident-free drivers.
However, the consensus of opinion is that seniors suffer from slowing response times, slower decision-making and of course, losses in clarity of vision, muscle strength, hearing, and even experience drowsiness due to medications taken. It’s important to realize however, that not all aging drivers fit into this little descriptive box.
Assorted studies have been done almost endlessly on aging drivers. Some studies have confirmed that senior parents are definitely a higher risk for elderly
car insurance due to the “facts” brought up showing that the chances of an aging parent getting into a serious accident can rise with each passing year.
Another study confirmed that aging drivers, especially in their upper 70’s through their 80’s had definitively lower and lower amounts of accidents. When rates go up, for some reason rates stay that way for many of years. Has a senior’s insurance come down in price? No.
It is a shame that studies such as these can be skewed by the interpreters of the study as much as they are. Many states are now realizing that older drivers are a “good gamble” in relation to car insurance. We can only hope that that realization regarding this important topic grows steadily.
Those currently seeking car insurance for a senior driver are cautioned to stick with the tried and proven methods and be sure and ask for rate reductions based on:
Although there may be no cheap car insurance for seniors, as the old saying goes………. If you do not ask, you’ll never receive.
Are your elderly parents still driving and is that becoming a concern? How are you planning to broach the subject of taking the keys from Dad or Mom?
Click below to see contributions from other visitors to this page...
Cheap Car Insurance for Seniors can be an Option for Many
We all know that the older we get, the more any type of insurance might cost. The same goes for our car insurance. The older you are, the more risk of …
Senior Driver Concerns for Families
The other day, a friend of mine confided in me that she was contemplating taking the car keys away from her mom. Her mom is in her early 80's and extremely …
Dealing with Senior Car Insurance Options
What? Dad’s still driving? That was my first thought when I realized my 73-year-old father was still driving. Like many, I wondered how one deals with …
Car Insurance for Senior Parents' Van
My parents have made the decision to stop driving this year, however we still use their vehicle to drive them to appointments, pharmacy, store and other …
Dad is in Poor Health, but Continues to Drive
My dad is in poor health, but continues to drive around the small town he lives in currently. My sisters and I drive when we are with him. He has had about …