People all grow older and, when you look around you, it's obvious the boomers are all reaching retirement age, although for financial reasons, not all are actually retiring. In fact according the Insurance Institute of Highway Safety, the number of claims by drivers aged 75 and over has been falling. This has come as a relief to the families of seniors. No one wants to play the heavy and take the keys of the vehicle away from a parent or grandparent. Indeed, as more local shops have gone out of business in the bad economic times, being able to drive to malls and shopping centers has become even more important.
To protect their seniors and get the lowest possible insurance rates families can do several things. First, is the health and comfort concern. The more active seniors stay the better. There are a number of programs run by doctors and occupational therapists to modify vehicles to make them safer and easier to drive both in ordinary life and specifically for driving. There are also defensive driving courses approved by insurers. The combination of modifications to the vehicle and additional tuition offers discounts. Run as many searches with free auto insurance quotes as possible to check the range of rates on conventional policies.
The next step is to explore the pay-as-you-go policies. This involves fitting technology to your vehicle or adapting the manufacturer's onboard computers to communicate with the insurers. With proof of low milage at off-peak times, the premium rates are heavily discounted. With confirmation of safer driving practices, the rates come down even lower. Use the access to free auto insurance quotes to get as much information as possible as to what options are available in your state. Once you have the right policy in place, it's just a case of driving safely and avoiding an accident. Even if this means driving more slowly and keeping to the routes you know the best, this is the best way to keep you insured at the lowest possible rates for as long as possible.