If you are over the age of fifty then it is time to look into using your safe driving history to your advantage. After all, if you have managed to maintain a clean driving record or at least a driving record that has very few blemishes on it, then you should be rewarded.
This is why some insurance companies actually offer over 50’s car insurance for people just like you. The truth is that this is often the best way to get a low car cover policy as you advance into middle age. A clean driving record is not the only reason that you may want to look into over 50’s car cover however, as there are a few other factors that can help make car insurance much more affordable to you.
For instance, those who are over the age of fifty are more likely to drive short distances than longer distances, are not as likely to take long road trips and are more likely to have a short commute as you have settled in a community and found steady employment by this age. Less time on the road means a reduced chance of a collision which in turn reduces your car insurance risk factors. As a result, some insurers will offer you a better rate then they would offer those who are younger.
In addition, it has been proven that age plays a role in the amount of accidents an individual is likely to be involved in. Insurance companies determine the amount they charge for their policies based on the calculated risk of the individual they are issuing the policy too. As an older adult you have a lower risk than a younger adult therefore allowing your policy to drop in price.
Although gender discrimination has been banned with it comes to insurance policies, there has been no mention of age discrimination so for the time being those who are over fifty can continue to take advantage to many of the great rates that are available to them.
Of course, any standard Staysure Over 50s Car Insurance policy will still offer some of the old policy components that you may also want to re-register for. For example, you can hold an over fifty policy and breakdown cover which is a great idea if you want to make sure that you will not be stranded anywhere.
Breakdown cover is not the only add-on that you can select, as you have the same policy options as anyone else that would require a car insurance policy. The only difference is that your rates likely will be a little lower.
Therefore if you are over the age of fifty and are shopping around for a new insurance policy it may be a good idea to start by looking at what over fifty policies are available to you from your current insurer and from other similar insurers. You may have to change your policy, but in the end you will be rewarded for your troubles.