Car Insurance Quotes for Seniors
Reader’s Question:
My car insurance premiums have been ridiculously high. I am old and no longer have a regular job. Where can I get car insurance quotes in case I want to get a new policy from a different company? Is there some sort of discount to lower my rates?
John
Tulsa, OK
It’s easy to get car insurance quotes in case you plan to discontinue your current policy and get a new one from a different provider. The Internet is a good place to start looking for a new company. It’s standard for insurance company websites to give out car insurance quotes. There’s also the old way of calling providers directly or contacting agents that represent them.
With regards to lowering your rates, mature drivers that are 50 to 55 years of age may qualify for discounts. This is because they have a low incidence of accidents. This means that they file benefit claims fewer times than those of other age groups. However, those who are in their 60s tend to get higher insurance premiums because car insurance providers see them as high-risk. This is because drivers of this age group have decreased reaction time in driving or some suffer hearing loss, so they are highly likely to be in an accident than those who are younger.
There are still ways to slash those costly premiums for the 60-year-old group. One would be to take the mature driver course for a minimal fee. Here, you’ll be updated of the present driving situation in the roads of Oklahoma. You will also be taught about the effects of ageing on your driving abilities. And most importantly, you will learn valuable steps to steer clear of car crashes. Once you complete this course, your auto insurance company will be obligated to give you three years of lowered insurance rates provided that you have not been involved in an accident in that duration. The discounts may be from 2% to 15%, depending on the auto insurance company.
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