Older Driver? 8 Tips for Safety and Best Insurance Coverage

As we age, our driving skills can decline due to physical and cognitive changes.
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Here are 8 tips for more mature drivers to help maintain their safety on the road, potentially lower auto premiums, and lower the possibility of accidents:

1. Take a refresher driving course. Many insurance companies offer discounts to drivers who complete a defensive driving course.
2. Enroll in your insurer's driving monitoring program to document your safe driving performance.  Successful completion will lower your insurance premiums.
3. Limit night driving and avoid hazardous weather conditions.
4. Keep your vehicle in good condition.  Regularly maintain your brakes, tires, and other key safety systems.
5. Consider dropping collision and comprehensive coverage on older cars. If your car is worth less than 10 times the premium, it may not be worth insuring for collision and comprehensive coverage.
6. Take advantage of any discounts that may be available to you, such as a good driver discount or a multiple policy discount.
7. Consider purchasing a vehicle with safety features such as adaptive cruise control, lane departure warning, and audible proximity warning (what do you call that when you get too close to something?)
8. Consider reducing your driving distances - and your insurance premiums -  by carpooling, using public transportation, or having someone else drive for you.

​By following these tips, older drivers can stay safe on the road and get the best insurance coverage for their needs.