Many people now continue to drive well into the 70s even their 80s. This is great because it helps people to stay mobile, live a more independent life, and do so for longer. However, senior drivers do face a few extra challenges, which is why we have written this tips article.
Finding car insurance for senior drivers
Drivers aged 50+ have the best insurance premiums because they are 31% less likely to have a car accident. Sadly, from the age of 70 that changes and people are 13% more likely to be involved in a crash, which is why their insurance rates climb after that point.
The right way to keep your insurance rates in check once you reach 70 is of course to shop around and compare costs. If you get a good offer from one insurance company, ask a few others to match or better that quote the majority of the time somebody will take the bait and offer you a better quote. Get quotes from those firms who specialise in offering insurance to those aged over 70, but do not restrict your search to those providers alone.
Often with the specialist providers, the price is lower and the policy is more flexible to take care of senior car drivers and their special needs. For example, some provide for your going somewhere deciding you are too worn out to drive and letting another driver take over.
To get the price lower try to make sure that you are not paying for things that you do not need anymore, for example European breakdown cover. The majority of people no longer bother to drive whilst abroad, as they get older, so they do not really need this cover. Removing it from your policy often means that you can get a better price.
If you have no claims bonus, it is important that you protect it, as you get older. One little accident could lead to you having to pay 20% more for your insurance, so it is sometimes worth paying £30 or so more to get that no claims bonus protected. You may be quite a good driver, but it is a fact that the older you are the more likely you are to have a bump.
Consider downsizing your car
If the quotes you are getting for your automobile insurance once you are over 70 are too high for your budget do not give up driving all together instead think about downsizing the car that you drive. The smaller and cheaper the car is the less you will have to pay for insurance.
In addition, smaller cars are easier to drive and park. Even if you have a disability badge, it can sometimes be hard to find somewhere to park. Driving a small car makes things easier all round. Just be careful not to buy a car that is so small that it is difficult to get in and out of.
If you do not drive far it can be tempting to skip services. This may sound like a good idea, but in reality, it is often better to have your car serviced at least once a year. It is far safer to do so, and is a way to spot problems early. You can keep the cost down by shopping around on a website like BookMyGarage.com.
It is a quick and easy way to compare the prices of servicing and MOTs in your area and make an appointment. Using a service like this can help to keep the cost of running a car down enough to keep you on the road on a pension.