Reader’s Question:

I have been very disgusted at the way my auto insurance premiums increase every single year. I am a senior citizen and no longer have a regular employment here in Georgia. Is there a way I can get free auto insurance quotes without having to go through all the rigmarole of calling every single company out there?

Gina

Atlanta, GA

Unfortunately, senior citizen drivers get to be assessed with higher insurance premiums. The reason mainly is that drivers in this age group tend to get into more traffic accidents compared to younger drivers. This is due to the effects of ageing on an individual’s ability to competently drive a vehicle. Since hearing and vision slowly deteriorate with age, older drivers tend to be more at risk of hurting not only themselves but other motorists and pedestrians, as well. Additionally, older drivers who get into accidents tend to sustain more serious injuries, and thus require longer and more expensive medical care. It is for this reason that premiums get higher as one gets older.

But that should not mean that you should stop driving altogether. Enroll in a mature driver safety course. Not only will this course update you with the present condition of public roads, but provide necessary techniques mature drivers can use to avoid getting into road accidents. With a completed course, you may get as much as 20% discount on your premiums. Bear in mind though that companies use different methods of computing for discounts, so you may not get as much from your current company. You may want to check numerous insurance websites for information on auto insurance discounts for mature drivers. You may also check the rates from the websites that give free auto insurance quotes. That way, you spare yourself from the hassle of having to make arduous calls to every auto insurance agent out there in Georgia.

 

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