Car Insurance for Seniors

Here are some facts about the Australian population. We are living longer and, thanks to the baby years, today there is a large proportion of the Australian population in the seniors age bracket. We also know that many of our seniors are still driving. So popular have seniors become that there is now a special card for them offering concessions and activities designed solely for their participation.
So where does that place seniors when it comes to car insurance? Well very nicely because car insurers have discovered that seniors are, generally speaking, among the best and safest drivers on our road. Insurers love a good risk and in seniors they see clients who care for their car, drive carefully and are unlikely to have accidents. They are the perfect customer.
This in turn means special rates and offers for seniors. While the governments may regard seniors as aged sixty plus, many car insurance companies regard someone as a senior once they turn fifty. That’s more good news for the customer. Studies show that seniors are more likely to stay closer to home than younger drivers and have fewer accidents. Many have clean driving records.
But while all this is good news for seniors seeking car insurance, the basic rules apply. Know exactly what you want in terms of cover and shop around. Every senior should look at several quotes and the best and easiest way of doing this is to go online and use a comparison service for car insurance. Make sure you insert all the relevant data and seriously ask yourself what you want in terms of car insurance. You may be quite surprised at the variation in premiums being offered.
Remember that insurance companies are always looking for sensible customers. Insurers like a senior who takes a refresher course in driving or who owns a low profile car and one with superior safety features. Flashy cars which are tempting for thieves may impress young drivers but are not given a big tick by car insurers.
Seniors too may be eligible for a discount if they belong to a group or association which negotiates a blanket deal for its members. Have you asked about this situation?
Then there is the possibility where a senior is allowed a reduced amount of cover and for which they only pay a reduced amount of the premium. You need to be a careful driver but if the likelihood is that you will only have small accidents if at all, such a reduction in cover and premium can work to everyone’s advantage.
But just because studies prove that seniors are the safest drivers and are offered some of the best insurance deals, you still have to check out what’s available and choose the cover which is best for you.

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