Seniors Behind the Wheel of a CarAs you get older, your driving habits change. You might retire, and no longer need to drive to and from work each day. Or, you might lose the desire to buy the most comprehensive, high-end vehicle out there.

As your driving habits change, you might need to take a closer look at your auto insurance plan. This plan should always match the risks present to you on a day to day basis. Does your car insurance coverage still match the way you use your vehicle?

What Risks Do You Face?

A good question to ask is about the risks you face as a driver at your current age. Consider these factors to determine how they compare to your driving habits:

  • Are you driving less? If you are driving less than you did a few years ago, your policy could be providing too much coverage. For seniors who drive very little, a low mileage discount may be available to reduce your costs.
  • When was the last moving violation you've had? If you have not had a speeding ticket or other moving violation in some time, this means you are a safe driver. Contact your auto insurance team to find out if you qualify for a lower premium as a result of being accident-free.
  • What type of vehicle are you currently driving? Those who are drive a paid-off, older vehicle, may not need as much insurance coverage as those making monthly payments on a newer one.
It is important to consider any other changes occurring in your life. Perhaps you and your spouse are planning a long trip across the country. Or, you may have a vehicle with high-end accessories that needs a bit more protection. At the same time, some older drivers may be more prone to accidents due to failing eyesight. These are all important factors to consider when adjusting your car insurance plan.

When you work closely with your auto insurance agent, you can create a policy that better fits your needs. Many times, seniors qualify for insurance plans with lower premiums and better discounts. So, updating your policies could save you money.

We've got you covered. Call Fulton Agency, Inc. at (954) 351-9896 for a free Fort Lauderdale car insurance quote.
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