I want to understand why elderly car insurance is expensive and I want to help my grandmother here in Oklahoma keep car insurance expenses down. Thanks!

Ralf

Broken Arrow, OK

It is unfortunate that elderly people have to pay higher for auto insurance. Statistics, however, have shown that senior citizen drivers are very much prone to getting involved in car accidents. With only teenagers ranking higher in deaths and injuries resulting from vehicular collisions. Most auto insurance providers don’t have much of a choice since the physiological effects of aging, deteriorating eyesight, decreased strength and stamina while driving, slower reflexes to avoid accidents and many other factors have caused older people to have no choice but be tagged as “High-Risk” drivers. But that doesn’t mean that you and your grandmother there in Oklahoma would just have to live with it. There are still ways to compensate for high elderly car insurance rates, here are a few tips:

Enroll In Defensive Driving Classes.
Regardless of age, it is always a good idea to take defensive driving lessons as these enhances your skills in driving safely. Accredited courses would also qualify you to get additional discounts towards your auto insurance rates.

Drive an Older Vehicle.
Drive an Older or at least a less expensive car. Switching to an older vehicle will cost your grandmother less in terms of auto insurance premiums and you can even decrease or drop comprehensive and collision damage insurance.

Increase Your Deductibles.
Did you know that the higher your deductibles the lower your auto insurance premiums would become?

My grandfather still wants to drive here despite having an old age. How can he be able to save if he renews his car insurance in Edmond, Oklahoma?

Carrie

Edmond, OK

Elderly people likely don’t want to give up the freedom of driving a car to be in the places they need to go to. As they are getting older, their driving skills are not the same as it used to but they do not admit that. Current statistics say that senior citizens who are 75 years and older who still drive have a very high chance of getting into an accident during daytime and a lot of these accidents are fatal. Any kind of vehicular accident is a good indication that senior citizens must give up driving.

In your grandfather’s case, seems like he does not want to lose his driving privilege. Because of that, he has to do something to be able to keep his driving skills sharp. Some car insurance companies could give discounts to senior motorists who have accomplished a senior driver safety course. You may inquire through an independent insurance agent because he/she knows better if this kind of discount would be available in any of the car insurance companies in Edmond, Oklahoma.