Older Drivers And Affordable Auto Insurance

by James Phoenix Jones in Insurance / Auto    (submitted 2010-04-12)

If cheap auto insurance for older drivers is what you are looking for than you have come to the right place. This article will give you all the essential information regarding auto insurance for senior citizens. No one wants to pay more than he has to. Discover what factors determine older citizens' insurance rates and how you can pay less.

Who is considered a senior driver?

A lot of people don't really know that insurers have a different approach to seniors. In society, as a senior citizen is accepted a person who is 65 years old or more. However, as far as insurance companies are concerned, a senior driver is everyone over 55 years old. Yet again, older drivers are divided in 2 further groups - those aged under 75 years and those aged over 75 years.

Insurers are well aware of the fact that we are an ageing nation. Getting older means you become wiser and inevitably your driving habits change.

Auto Insurance rates for senior senior drivers

Age, driving history and the type of car you drive are some of the fundamental criterias used to determine auto insurance rates for older citizens. Statistics show that older people are in general careful and law abiding drivers. Tickets for reckless driving and speeding are rarely issued to grandmothers. Fast and expensive sports cars are also not a common sight on the driveways of senior drivers.

When it comes to driving, maturity definitely has it good sides. Insurance data also suggest that older drivers use their cars less. The only cons are often deteriorating sight, which affects night driving in particular, and slower reflexes.

Your auto insurance rates will be lower than the average if you are under 75 years old and have a good driving record. If you are older than 75, insurance companies will, in most cases, put you in the high risk group and you may seen your premiums go up.

Cheap car insurance for older drivers

Driving your old car, which may have sentimental value to you, may not be a wise idea. Not only are older cars more expensive to run but sometimes their actual value is less than the yearly insurance premiums. Exchanging it for a more economical vehicle full with safety features will save you a lot of money on insurance.

Taking a defensive driving course is a wise idea too. Insurers reward drivers who have taken such classes with cheaper insurance rates.

The easiest way to find cheap auto insurance for senior drivers is to compare quotes on-line. When shopping for insurance, its recommended to compare at least 3 quotes from different insurers. The difference in rates is often amazing. Some people save up to 35% on car insurance!

For free, no obligation, auto insurance quotes, visit senior drivers insurance or Florida No Fault Insurance.

About the Author

I am a dynamic figure, often seen scaling walls and crushing ice. I have been known to remodel train stations on my lunch breaks, making them more efficient in the area of heat retention. I translate ethnic slurs for Cuban refugees, I write award-winning operas, I manage time efficiently... :)

The Best Way To Alliviate Misfortune

by Fredrick in Insurance / Agents    (submitted 2010-03-18)

Fortuities are something that can happen anytime and anywhere. While you would never want your dearests to bump whatsoever fortuity, its one disagreeable reality of life that can't be anticipated in advance neither can they be disregarded when they are coming your way. It's inevitable and one can ran into an accident in the most unforeseen way and time in life. It can be all more frightening when it actually results in the loss of life of someone. Then again even if you do come through from traumatic circumstances of your life you would be lucky if you sent away.

Your short-term impairment condition at one time when you endure the accident can be a harsh reality on your part as suddenly the world would be too arduous for you to bear. And the sad reality of the financial aftermaths can be all more frustrating if you don't have sufficient money. These could be depressing and for once, you would think as if life is really not worth it.

This is where an accident insurance comes to the rescue. If you enjoy the security of an accident insurance, then you'd be able to live off a substantial portion of weight away from your shoulders that you would find yourself under after a tragic event. An accident insurance would entitle you to defrayment for those days that you were ineffectual to work due to your passing disability. Moreover, the program will unremarkably cover a big part of the doctor's bill* that would eventually accumulate during your treatment period and therefore, extortionate medical bills would not be something that would come back to haunt you.

A big part of the benefits that an accident indemnity would provide you would be in terms of payments towards your doctor's fee and hospital bills. Another benefit of acquiring such an insurance program is that even if you came across accidents outside your work, you would still be eligible to avail the benefits that come with it.

Some other benefits depend on your accident insurance plan that you are able to avail are as follows:

• Indefinite number of accidents coverage
• Accident insurance coverage for family
• Payment in bulk to you or your surviving family members
• Benefits in case of fractures, dislocations, loss of limbs or even death

The importance of possessing an accident insurance can't be emphasized enough although it might not appear a comprehensive to you if you have never suffer a tragic event in your life. But the question is that why do you have to wait for an accident to happen ant then realize the worth of an accident insurance and the limitless benefits that it can give you in times of great need, It is important that you and your family are always protected from the drastic consequences of any major mishap rather than suffering the financial dilemma that comes with it later on. An accident insurance program is something that every responsible person must have.

About the Author

The author recommends http://www.trustedadjusters.com if you need a public insurance adjuster to adjust your commercial insurance claims.