Dealing with Senior Car Insurance Options

by Nancy
(Aurora, CO)

Senior Car Insurance Options

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 typical driving habits of the elderly.


It seemed to me that they drive at one extreme or the other - too fast or too slow. My friends and I often wondered about reaction time, the ability to multitask (watching for streetlights, reading street signs, reading traffic around you, etc.) safely.

However, when I finally worked up the courage to talk to my dad about it, he told me that, following his taking of a safe driving course, not only did he receive a discount on his elderly drivers car insurance, but because he had been claim-free for years, he qualified for what is commonly called in the industry a "mature driver" policy.

So, contrary to thinking that senior drivers are a hazard, a variety of insurance companies actually reward older drivers for their experience and safety records.

Dad said that the type of car he drove and his rather limited mileage were only two of the factors that affected his auto insurance rates and coverage. Because he only uses his car to run errands, he's not driving too often, which also led to reduced rates.

After a little research, I realized that senior car insurance offers a variety of discounts based on age, customer loyalty, low mileage, and bundling services such as combining car insurance with home insurance, renters insurance, or even RV insurance. Fortunately, car insurance for the elderly does not have to be complex....that is the good news, the bad news is that I still worry that the time will come sooner rather than later that I will have to broach the subject of taking the keys away....not looking forward to THAT conversation! Does anyone have any advice?

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