Drivers over the age of seventy face the same obstacles as drivers under the age of twenty-five: high premiums. If you are approaching or over the age of seventy, here are a few steps you can take to lower your car insurance premium.
Step 1: Make Sure Your Vehicle Has All The Latest Safety Features
One of the simplest ways to reduce your insurance premium is by making sure that the vehicle you are driving is equipped with all the latest and most modern safety features. The vast majority of insurance companies provide discounts for vehicles that have higher safety ratings and that are equipped with all the latest safety features.
Here are a few safety features that will knock a few bucks off your insurance premium:
anti-lock brakes
tire
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Let your insurance agent know how much time you spend driving every day. If you no longer make a daily commute to work, and only occasionally drive your vehicle for errands, let your insurance company know this information.
You can prove to your insurance company that you are not driving as much as you were before by having a telematic device installed on your vehicle. A telematic device keeps track of how many miles you drive and what time of day you drive your vehicle. With a telematic device, you can switch to an insurance program that is based on how many miles you drive your vehicle.
Step 3: Take A Driving Class
Finally, you can prove to your insurance company that you have not lost your driving skills by enrolling in a sate approved driving class. These driving classes may feel remedial, as they generally go over driving rules and defensive driving techniques that you are already familiar with, but they can save you money on your insurance premium for a couple of years. There are at least 36 states where insurance companies are required, by law, to give you a three year discount on your insurance if you take an approved driving