There are many things to consider when looking for car insurance for senior citizens.
The first thing to consider is whether the driver in question is still physically fit to continue driving.
Some important issues to consider are:
Slower reaction time – even though studies show that seniors can often do the same things a younger person can, they also show that the response time for performing those tasks can be increased dramatically.
Medications – it is best to not drive while taking medications. If a senior is taking medications it is best to discuss concerns with your doctor or family care provider.
Mobility – as we age, our flexibility decreases as well. Arthritis, obesity, heart disease and diabetes are just a few medical conditions that can hinder the full range of motion that is needed for safe driving.
Vision and hearing loss – driving safety is always compromised if anyone is experiencing vision or hearing loss. Often seniors will stop driving at night as they realize that they see more poorly at night. Low light levels tends to decrease a persons visual acuity dramatically. However, many changes from age can effect visual acuity as well, such as cataracts, astigmatisms or glaucoma.
If a senior is still fit to drive, it is always a good idea that they take a senior driving safety program. Not only will this improve their driving skills, but in many states it will make them eligible for an automobile insurance discount. AARP (American Association of Retired Persons) members can also often receive car insurance discounts depending on which state they live in.
Taking a defensive driving course can lower also lower a senior’s insurance costs up to another 10 percent.
As always, it pays to shop around. You can use our insurance quotes comparison search engine to find the companies in your area that are competing to offer the best rates. Compare their quotes and you’ll be sure to find the cheapest car insurance in CA for seniors.