Automotive Guruz

While it’s true that young drivers are likely see their Ohio auto insurance premiums decrease as they get older and become more experienced on the road, older drivers might see their premiums rise when they reach 65 years of age. As a generalization, people are considered higher risk drivers when they get to around 65 and beyond.

Response time, alertness, mobility and eyesight can all become impaired as you get older, which is why insurance companies will often increase premiums for elderly drivers. Driving at night can be especially problematic for elderly drivers, who appear to be less likely to spot hazards quickly.

But it’s not all bad news for older drivers. Drivers over 55 often receive discounts because they are considered less likely to speed and cause accidents, and if you can prove that at 65 you are still just as competent on the road as you have always been, your premium is likely to remain unchanged. Enrolling in an accredited driver safety course can also show that you are committed to staying safe on the road.

Also, if you keep your travelling distances down, you can receive low mileage discounts – people who spend less time driving may be statistically less likely to be involved in an accident.

If you’re a retiree in the Buckeye State, auto insurance is probably one of many expenses you would prefer to keep to a minimum. Has your premium gone up because of your advancing years?