For many seniors, driving continues to be a part of everyday life. However, because many people in this age group live on a fixed income, finding affordable auto insurance in Sulphur, LA is essential. Below are five auto insurance tips to help senior citizens get the coverage they need at an affordable price.
Review the Policy
Regardless of whether a person’s current policy is ready to expire, they should review their current coverage and assess their circumstances. Coverage needs may change over time, and some people expect changes in their lifestyle within the next few years. One’s auto insurance coverage should always match their driving habits as closely as possible.
Ask for Discounts
Because so many seniors have tight budgets, it’s a good idea for them to ask about auto insurance discounts. Providers know that senior citizens are typically experienced drivers, with some having decades of driving experience. As a result, they often offer discounts to these reliable, safe drivers. Being a member of an organization such as the AARP can get one a discount, but keeping a clean motor vehicle record is the biggest asset.
Sharpen the Resume
Although most insurers view senior citizens as safe drivers, premiums often increase after age 65. With age, a person’s health and reflexes typically deteriorate, making them more likely to be involved in a serious accident. Documented health conditions such as poor eyesight can affect the rate one pays for auto insurance. To prove their continued competence and receive a discount, a senior should consider taking driving lessons.
Consider the Vehicle
Elderly drivers should think about the cars they drive, as older vehicles are more likely to be involved in accidents because of their lack of safety features. Whether one can afford a new vehicle or they upgrade their current car, insurers usually offer lower rates to those who have safe vehicles. Talk to Curtis Insurance of Louisiana to find out which vehicles are good for seniors, and can result in a lower premium.
Getting New Insurance
When a senior shops for new auto insurance in Sulphur, LA, they should consider that most companies automatically renew policies to ensure there are no lapses. Although most areas require providers to inform customers when the policy is up for renewal, the customer should review the insurer’s cancellation policy if they want to change providers.