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Desmond Insurance Blog

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

7/23/2020

26 Comments

 
Picture
​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.
26 Comments
Taylor Hicken link
1/25/2021 10:37:22 pm

You made a good point when you shared that it is great to choose the right insurance company that can offer you the best deal. My uncle just mentioned the other day that he is thinking of buying a new car since his old one keeps on making trouble and it is hard for him to go to work in the morning. I will suggest to him getting auto insurance to help protect it by looking for a reliable provider.

Reply
Chris Pederson link
2/17/2021 03:27:06 pm

I had no idea that your auto insurance policy could change if the owner is a bit older. That blows my mind but it makes sense. Maybe I can get an insurance policy for my dad that will help him.

Reply
Adam Golightly link
2/18/2021 11:21:22 am

My sister has been thinking about getting some better insurance for her car because she wants to take her jeep off-roading. Making sure that she can get some help from a professional could allow her to get the right coverage. It was interesting to learn about how they can find out if they are the right one by doing their research to have the right maintenance or replacement.

Reply
Braden Bills link
3/10/2021 08:31:35 am

https://www.youtube.com/watch?v=6C7zBD6g4mY

Reply
Kristofer Van Wagner link
3/14/2021 12:41:23 pm

I am grateful that this post encouraged us to consider the auto insurance coverage when we are renewing our auto insurance. It makes sense for us to ensure we have the right coverage as it will ensure that our car is protected from liability. The other day my son mentioned he needs to have his auto insurance renewed. I will definitely encourage him to look into the coverage he is applying for.

Reply
Ankit Gupta link
5/6/2021 03:20:32 am

nice informative article useful information got helpful good efforts

Reply
Chris Pederson link
6/11/2021 10:45:16 am

I had no idea that policy coverage can change depending on your age. My dad has gotten a lot older since he got his first auto insurance policy. I need to help find him one that will work well with his age.

Reply
Juan Prasad link
6/13/2021 12:34:57 am

I am interested to purchasing car insurance for my father. That’s why I was searching some tips for car insurance. In your article, you share the detail. By reading your article, I got answer all of my questions. Thanks for sharing your valuable article.

Reply
Braden Bills link
6/15/2021 06:25:28 am

I want to make sure that I get the best insurance plan for me. It makes sense that I would want to get the right car insurance! It's good to know that my age could affect the price. I'll look into different values that I can choose from.

Reply
Kristofer Van Wagner link
7/1/2021 08:31:21 pm

The other day my friend mentioned that he would like to buy a new car. I do believe car insurance are important as it protects us against liability and damage. Therefore, I will encourage her to look into having a car insurance set up.

Reply
Mia Evans link
7/14/2021 06:45:05 pm

Thanks for helping me understand that there might be stricter screening methods for elderly drivers. As you said, this is because they can be more prone to accidents. I will share this tip with my mom since we plan to get her an insurance policy for her new car. She is almost 60 so she might need to have the proper policy for her age.

Reply
Braden Bills link
7/15/2021 08:45:29 am

My dad wants me to help him make sure that his car is properly insured. It makes sense that we would want to see if he can qualify for any discounts. It's better to pay less whenever possible, after all.

Reply
Chance Cook link
7/15/2021 10:30:40 am

I never thought about how the elderly driver in this scenario has different coverage because of their age. It's good to know that I won't have the same insurance as I age. So I need to find a plan that will help me with my current age and lifestyle.

Reply
Braden Bills link
10/14/2021 08:27:43 am

I want to make sure that I get the right car insurance for my dad. It makes sense that I would want to work with a good insurance broker. That way, I can try and get the best deal possible for me.

Reply
Rick Jones link
11/29/2021 04:09:57 pm

I'll be sure to choose the right insurance company. That would help me save a ton of money. I just need to take time to find the right plan too.

Reply
Jeff Carbine link
1/8/2022 04:39:50 am

I never knew that 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. I never thought that it would be like this, it is a good article to read, I'll share this with my aunt. Thank you for the information about auto insurance.

Reply
Devendra Warrior link
1/17/2022 03:57:24 am

What a wonderful article! This is groove with useful information, and I can't wait to delve in and receiver of the information the resources you've provided. Your pleasure is stimulating.

Reply
Hailey Miller link
1/26/2022 11:40:23 pm

It is great to know that we should do our research on insurance companies that can help us get the best deals. My husband and I are planning to buy our only son a new car to avoid the hassle of commuting. With this, we will look for an insurance agency on Monday that can provide the best coverage at a competitive price for our peace of mind.

Reply
Jeff Carbine link
2/4/2022 08:02:30 pm

I like what you said that you have to put into consideration the car insurance coverage regarding elderly car owners. It is imperative to me because with my new job. I will be driving more every day. I need a new policy that is more comprehensive with more protection. And this article helps me a lot in finding the right car insurance company.

Reply
Jeff Carbine link
2/18/2022 03:50:19 am

It's awesome that this because senior drivers are more likely to be involved in car accidents, insurance firms charge them a higher rate. I'm glad that you explain it thoroughly and now it makes more sense. You did a great job of explaining car insurance.

Reply
Jeff Carbine link
2/22/2022 03:29:04 am

I never took into account the fact that depending on the owner's age, the policy's coverage may alter. I remember when I was a college student I was proudly answering the question but now I realize it was different. Thank you for helping me understand the right information about auto insurance.

Reply
Vivian Black link
2/25/2022 06:46:44 am

My mom is now retired. She is older and has a lot of concerns about her car insurance going up in price. It is interesting that there are a few states giving discounts to older folks rather than charging them more. I liked your suggestion to ask if insurance companies have discounts for elderly drivers. We will check car insurance companies to get her the best deal for her lower salary while asking if they have any discounts for her.

Reply
Victoria Addington link
3/14/2022 12:45:38 am

I didn't know that the age of the car owner can change the policy coverage of auto insurance. My father is getting a new car and wants insurance for it. I should look for an auto insurance agency that can offer him the best deals.

Reply
John Carston link
3/23/2022 04:49:13 pm

I never knew that it is important to choose a company that can provide that coverage that you want. My best friend mentioned to me last night that he is planning to have auto insurance for his new vehicle for the safety purposes of him and his car and asked if I have any idea what is the best option to consider. Thanks to this informative article and I'll be sure to tell him that it will be much better if he consults a trusted auto insurance service as they can help him identify the best plan for him.

Reply
John Carston link
3/28/2022 10:49:36 pm

It's great that this article talked about the importance of considering thinking the best coverage for you. My friend mentioned to me last night that he planned to have auto insurance for the safety purposes of him and his car and asked if I had any idea what is the best option to consider. Thanks to this informative article, I'll be sure to tell him that it will be much better if he consults a trusted auto insurance service as they can help him identify the best plan for him.

Reply
Eli Richardson link
4/22/2022 06:47:34 am

It really helped when you explained how we must research insurance companies before selecting one for our car needs. A couple of days ago, my brother finally finished saving for his first car, so he's very excited about it. My parents and I want to help my little brother with his auto insurance fee, so we'll be sure to read and follow your tips. We appreciate your insight on how to find an auto insurance policy that fits our needs.

Reply



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