Today, we\u2019re going to walk you through which car insurance is best for senior citizens and which types of policies you need to protect yourself and your family \u2013 and give you peace of mind. <\/p>\n\n\n\n
Car Insurance for Senior Citizens <\/h2>\n\n\n\n
Before we go any further, we need to answer the big question: Why should senior citizens pay special attention to their car insurance? Or, in other words, why would you want to worry about changing insurance coverage and insurance carriers at this stage in your life? <\/p>\n\n\n\n
One answer for this is that car insurance rates change over time. Sometimes, this works in your favor, like when your rates get lower when you are no longer a teenager. But when you are in your 60s and older, the rates will start climbing once more. <\/p>\n\n\n\n
Another answer is that your life, and perhaps your lifestyle, have changed. When you have a family and a nice car, you may simply want better insurance than you had when you were younger and only had to worry about taking care of yourself and a cheaper, older vehicle. <\/p>\n\n\n\n
Why Do Rates for Senior Drivers Increase? <\/h2>\n\n\n\n
Earlier, we touched on the fact that rates for senior drivers increase over time. But what is the actual reason for this? <\/p>\n\n\n\n
Insurance carriers change their rates in reaction to potential risks of insuring drivers. This is why car insurance for teenagers is so high: This group is much likelier to get in a car crash, so their premiums must be priced accordingly. <\/p>\n\n\n\n
And that brings us to senior citizens. According to research by the National Highway Transportation Association, fatal car accidents involving senior citizens<\/a> jumped up 30% between 2009 and 2018. <\/p>\n\n\n\n In the eyes of insurance carriers, that means senior citizens are more likely to get involved in car accidents, and this leads to higher premiums. But with the help of the right insurance company, you can still get great coverage at affordable prices. <\/p>\n\n\n\n Now you know that car insurance rates tend to be higher for senior citizens. And this might have you asking another question: Will my car insurance be expensive? <\/p>\n\n\n\n The honest answer to this question is maybe. If you stick with the same insurance carrier and type of coverage you had before, then yes. Your rates are basically guaranteed to go up. <\/p>\n\n\n\n However, our guide will walk you through how to lower your bill with things like insurance discounts. And we\u2019ll also walk you through how to shop around for a new insurance carrier. Between a new carrier and new discounts, you can help keep the cost of car insurance nice and low. <\/p>\n\n\n\nI\u2019m a Senior Citizen, Will My Car Insurance Be Expensive? <\/h2>\n\n\n\n
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