According to a National Institute on Aging Report, studies show that seniors age 65 and over are second-most likely to die in car accidents, after young drivers aged 15-24, and the number will keep increasing, since America's 75 million baby boomers will retire and continue to drive in the next 30 years. To insurance companies, senior drivers present a higher risk than other drivers, which leads to higher car insurance rates for senior citizens.
Following are tips on how to be a safe senior driver, be alert on the road, avoid accidents and tickets,
which means the insurance companies will reward your safe driving record with lower car insurance rates.
1. Pay close attention at intersections: Studies show that 35% of car crashes occurred at intersections and 31.7% happened in dark conditions. Give yourself enough time to change lanes and put the turn signal on to alert other drivers. Do not wear sunglasses or tinted glasses while driving in the dark.
2. Pay attention to the traffic signs: Many violations include failure to yield right-of-way, improper turning and incorrect lane changes. Senior drivers can update their traffic laws knowledge and tune up their driving skills by taking a refresher driver-safety course. AAA launched a nationwide program called "Lifelong Safe Mobility." They also offer "Roadwise Review" CD for senior drivers to study at home, to measure their safe driving abilities.
3. Follow the flow of traffic: Drive at the speed limit.Driving too slowly can be as dangerous as speeding. Sometimes even cause road rage because of other impatient drivers. Stay in the right slow traffic lane.
4.Don't drive under the influence of prescription drugs: It's not only dangerous on the road, it's also against the law. Senior citizens are the largest consumers of prescription medication. While taking medication, senior drivers should consult their doctor about how to use the medication correctly and how it affects their driving abilities, such as drowsiness, blurred vision, dizziness and accessibility to concentrate.
5. Update car safety feature accessories: Senior drivers should have a fully adjustable seat or seat cushion, rear-view mirrors, easy-to-reach seat belt and pedal extension. Automatic transmission, power steering and power brakes require less physical effort. An alarm system can also help to reduce your car insurance rates.
And last but not least: Check to see which car insurance companies offer the best car insurance rates for seniors.Most of the major car insurance agents provide a 5% -10% discount for drivers aged 50-55. You can also shop online to get free car insurance quotes and car insurance comparisons.The bottom line is stay safe and save on seniors car insurance.