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Auto Insurance and the Senior Driver

House Bill 4611 could raise auto insurance rates for senior drivers. This measure would limit factors that auto insurers can use to set rates that didn’t advance. This bill may never leave the committee, as many on the committee believe the bill to be unfair. It may well be. However, there are some things that senior drivers may want to know about auto insurance. Seniors who have been driving for a while may think they know all they need to know. However, there are a few new tricks the old dog needs to know. 

Why the Rates are Suddenly Higher

It isn’t simply inflation. As skills decline with age, car insurance costs rise due to the elevated risk they pose. The average yearly cost for auto insurance for seniors is $2150 per year. Because of this, the senior driver may find it prudent to shop around for more affordable rates. A safe driving record will result in less expensive auto insurance rates. You may want to look into low-mileage discounts if you don’t drive around much anymore. In any case, keeping in good physical and mental condition as you age is a good idea so that your driving skills stay optimal. 

Laine Insurance Serving Colorado

If you live in Colorado, you know that driving conditions are challenging in the best times. No matter your age, auto insurance is a must in this state, and we at Laine Insurance are dedicated to helping our clients find the policy that best suits their needs.