Auto Insurance and Old Age: Important Points to Remember for Elderly Drivers

​Who says that you cannot drive in your old age? There are a lot of elderly drivers out there that are also in need of auto insurance. Most insurance companies still give out policies for drivers of a certain age, albeit with the different rules to follow. Here are some of the pointers you need to remember whether you have an elderly driver living with you or not.

1. Insurance For The Elderly is More Expensive
   First, you have to accept that your auto insurance rates might go up because of your age. Since elderly drivers are more prone to accidents on the road, insurance companies tend to put a high price on their premiums.
   
   
2. Some States Still Offer Discounts
   However, specific states in the US provide discounts for seniors citizen drivers. Some of them are as follows: 
      - Washington, DC
      - Alaska
      - Arkansas
      - California
      - West Virginia
   
   These are just five of the 34 states that allow discounts for elderly drivers in the US. You can ask your insurance agents if they offer discounts as well. This way, you can save money while still protecting senior drivers in the family.
   
   
3. Choose the Right Insurance Company
   When trying to get auto insurance for the elderly, it would help to do your research on insurance companies that can help you get the best deals. Many companies will do this per state. You just have to make sure that you find the right one.
   
   
4. Think About Coverage
   You also have to consider the auto insurance coverage regarding the elderly driver. Policy coverage may change depending on the age of the owner. For example, they can give you a smaller percentage of car maintenance discounts while providing more benefits in car replacement.
   
   Consult your local insurance agent for more information.
   
   
5. Elderly Car Insurance Policies Have Stricter Application Rules
   They also may have stricter screening methods for elderly drivers. Since the seniors are far more accident-prone than younger drivers, insurance companies may require more stringent screening tests to ensure that you can still practice road safety while driving.
   
   Some states also mandate stricter rules when it comes to car insurance applications for senior citizens. For example, in Colorado, 66-year-old drivers are exempted from electronic insurance renewal benefits. Visual health confirmation is also mandated for drivers aged 66 and above.

Conclusion
Whether you are an elderly driver or living with one, you have to accept the different set of rules for them. It will help you plan out the type of insurance you are going to get and the payments.

Remind the elderly drivers in your family of the importance of car maintenance and safety, especially for their age. Help them out as much as you can, and everything will surely be fine.

At Desmond Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (859) 491-5100 or Click Here to request a free quote.