Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Studies indicate that accidents caused by senior drivers equal those of teen drivers, and four times higher at the age of 85
  • Restrictions have been suggested to take senior drivers through vision and road tests before renewing licenses
  • Senior drivers are charged more for auto insurance coverage
  • However, through support groups and comparison experts, you can learn how to cut down on your car insurance

If you’re an elderly driver above 75 years of age, this piece will help you to find the right insurance cover for your car and navigate the challenges associated with senior drivers’ car insurance.

The Institute of Advanced Motoring last year reported 550 serious road accidents involving senior drivers aged above 70 years.

Those accidents represent about eight percent of the national total accidents of 7,035 cases, showing that senior drivers experience more severe accidents per mile as compared to other age groups.

The Association of British Insurers shares the same sentiments with statistics showing that senior drivers over 70 years are 13 percent more likely to file claims as compared to drivers aged between 40 and 50 years.

Since the population of senior drivers is projected to double within the next decade, this poses a challenge to the elderly drivers plus their families. Of course, the same problem escalates to the insurance firms, the police, and emergency services providers.

If you are over the age of 75 and want to make sure you are adequately covered, start comparing auto insurance rates by entering your ZIP code above!

Car Insurance for Elderly Drivers

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Insurance companies reckon that elderly drivers above 80 years have a high risk of accidents just like the under 25s.

The insurance companies, therefore, match their premiums with these statistics.

In fact, some insurers don’t offer car insurance covers for drivers over 70 years. Drivers over 80 years have their coverage narrowed to specialized insurance firms in that field.

As the cost of car insurance is calculated based on historical claims made by the category of drivers, a male driver aged 75 years is expected to pay 33 percent more than what he paid at 50 years old. By the time he reaches 80, the premium would have hit racer levels!

The female drivers are treated even worse. Even though younger female drivers are known for safe driving, they become more prone to accidents as they grow older. As a result, elderly female drivers are charged exorbitantly for car insurance premiums.

It’s a biological fact that reaction times and eyesight become worse as a person gets older. With the roads becoming busier with traffic and the road networks getting more complicated, elderly drivers find it difficult navigating their way home.

In the process, they can get disoriented or confused and cause accidents. A fraction of a second is what separates an accident from a near miss.

Many insurance companies insist on subjecting the elderly drivers through a medical check before providing car insurance coverage.

The best strategy is to build up a clean record of no claims and purchase a No Claim Protection as soon as you can. A No Claim Protection may cost you a little bit more, but it’s worth the value. Take precautions on the roads and stay away from accidents to increase your chances of insurability.

It’s all about taking care of the little things that many drivers often neglect.

For instance, parking lots are fields for little accidents. Take that extra minute walking around your vehicle to see how much space you’ve got. That way you’ll avoid those tiny scratches and knicks.

You also need to take special precautions when reversing and when entering junctions.

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How to Minimize Costs of Premiums at 75

The cost of car insurance premium is affected by several factors including:

  • Type of car you’re driving
  • Your age
  • Your claim history as a driver

As you approach 75, you need to minimize costs associated with other factors to get a cost effective insurance cover. The type of car is categorized between 1 and 50.

The cost of insurance increases as the number in the group rises. Pick a car with a smaller engine capacity and that is less desirable to robbers so as to lower your premiums for over 75 car insurance.

Also, try to avoid cars with mechanical or cosmetic modifications. However, security-enhanced features that are insurance approved will reduce your insurance costs. So, modified car insurance doesn’t always cost higher than standard car insurance covers.

In addition to the type of car, there are numerous other ways you can cut down your insurance costs for over 75 car insurance premiums.

One way is to include a security device to your car and get it approved by your insurer. Also, consider locking your car in a safe garage overnight to reduce risks of theft.

Limiting the mileage you cover every year will drastically reduce your premium costs. You can also increase your voluntary excess on the policy — the amount you will pay in case of an accident.

However, you should be sure you are in a position to cover this extra cost if you choose to raise the voluntary excess.

The best way to save on insurance costs for over 75s is by making sure your driving is top notch and by not picking up any tickets.

Doing these two things lowers your incidences of accidents and reduces claims.

Be sure to drill yourself with basic road safety rules to improve your awareness on the roads.

Get the Best Value for Your Money

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Remember, the cheapest offers for over 75 car insurance may not always be the best. Read the terms and conditions of the policy and make sure you’re covered for the critical needs under your circumstances.

Car insurance for the elderly at times come with optional extras like:

  • Car breakdown cover
  • Access to a hired car in case yours will be out of the road for some duration
  • Legal protection, etc.

You should rationally weigh these extras and see which ones you can strike off the list without affecting your critical insurance needs.

Breakdown services can be cheaper when incorporated into the coverage plan as opposed to settling the costs separately.

If you are over 75 years old and looking to save on auto insurance rates, start comparison shopping today by entering your ZIP code below!