Liability coverage

In the event of a car accident, if you are at fault, liability insurance will pay for fixing any damages to property and also bills. This may include car damages and medical bills for the other party. Liability insurance is typically required in every state in United States.

The liability insurance coverage is typically written as three numbers like 25/50/25. If you carry such an insurance policy, this means that you have maximum coverage in the amount of $25,000 for bodily injury damage per person, maximum coverage of $50,000 for bodily injury damage per accident and coverage of $25,000 for property damage per accident.

Collision insurance

Collision insurance is part of the auto policy you need to repair your automobile. This is assuming you were at fault. If it happens to be the other party, then their Auto insurance company will cover the damages. If you have an older vehicle, it does not have makes sense to have collision insurance. Collision auto insurance typically carries a deductible. A deductible generally ranges from $250 to $1000. So if you have a deductible of $500 and damages to your automobile is let’s say $2500. This translates into this amount of collision car coverage by your friends at AllState.

$2500 – $500 = $1000

Comprehensive coverage

While collision protection covers repairs to your automobile, if it will not tackle issues like hail damage, stolen automobile, deer in the headlights, cracks on your windshield, etc. This is where comprehensive coverage comes into play. A comprehensive insurance also has a deductible which typically $500 still applies in this scenario just like the collision coverage.

We have more information on the topic here:

http://www.compare-insurance-car.com/insurance-coverage/comprehensive.html

Uninsured motorist protection

The state law states that everyone should have some form auto liability protection, although in the real world that is not always the case. Having uninsured auto protection can be a lifesaver because it will cover you even if the responsible party is unable or unwilling to pay for your damages.

PIP or Personal Injury Protection

In case of a catastrophic accident, the cost of medical and health related injuries can be excessive. It is generally a good idea to have personal injury protection which will cover you and your fellow passengers in a major accident. Also referred to as “no fault” coverage, PIP covers lost wages and medical expenses of insured drivers in the event of an accident. The purpose of the automobile insurance coverage protection is to ensure PIP patients receive proper medical treatment and protects physicians providing treatment to patients unable to pay for medical care.

Please visit this blog post for more info on PIP coverage:

http://compare-insurance-car.com/insurance-blog/understanding-state-laws-and-vehicle-insurance-coverage/

compare|Auto Insurance| 01 17th, 2013|No Comments »

Auto insurance is a must, but that doesn’t mean that it has to cost as much as another vehicle payment! Just pay attention to the assorted media ads and you will be inundated with a wide range of auto insurance providers—all promising to be the most affordable auto insurance company. And, while competition between auto insurance companies can save you money, is there anything you can do to ensure you can get the most affordable auto insurance? As matter of fact, there is. Here are 12 actions you can take to get affordable auto insurance.

12 Steps to Getting Affordable Auto Insurance

1. Combine policies whenever possible. This can often make a significant difference in attaining a more affordable auto insurance payment – especially if you have several vehicles.
2. If you have, or soon will have a teen driver, then insist they take driver’s education. In addition, you may also want to take an advanced driver’s course, even if you have been driving for years, as auto insurance companies like to know that you are a safe driver.
3. The type of vehicle you drive can make a difference in getting affordable auto insurance, as well. Items like air bags, anti-lock brakes and even fuel efficiency can affect your premiums.
4. Having a teen driver, often means kissing reasonably affordable auto insurance goodbye; however, if your teen maintains a “B” average or better, then many auto insurance providers will give a discount.
5. Raising your deductible to the highest level possible can go a long way toward making your auto insurance premiums more affordable.
6. Don’t be afraid to haggle for affordable auto insurance. There is nothing wrong with telling an insurance provider that company A is going to cost “X” amount what can they do?
7. Where do you live? Interestingly, the type of neighborhood you live in can affect getting affordable auto insurance. Talk to your agent to see if there are discounts given based on your street address
8. Do you have an older vehicle? Then having liability can go a long a way toward having affordable auto insurance.
9. Do you have a vehicle that stays in storage a large part of the year? Then be sure that your insurance provider knows this as they may have different rates that can result in a more affordable auto insurance policy for you.
10. Your credit score affects many things and getting affordable auto insurance is no different. A good credit score means more affordable auto insurance!
11. Get a vehicle security alarm, if you don’t already have one. The less likely your vehicle to be stolen, the better your insurance rate can be.
12. Are you over 55? Age does have its benefits and lower auto insurance rates are one of them. Be sure that your age is a factor in your insurance policy.

Affordable auto insurance is not just something talked about in the media. It is something that can be had by the average consumer who is willing to do a little bit of work. Use these tips to ensure that you have the most affordable auto insurance possible.

compare|Auto Insurance, Compare Insurance Quotes| 12 17th, 2012|No Comments »

Even though you may have mastered the rules of the road to pass the requirements to obtain your driver’s licenses, choosing car insurance coverage is often a little more complicated. If you’re just beginning your search, there are a couple of things to keep in mind before selecting a policy. It’s important to begin your decision process by learning the laws on insurance coverage in the state in which you reside. Laws regarding automobile coverage vary from state to state so it’s essential to educate yourself.

State Laws Regarding Insurance Coverage

Wisconsin is the 49th state across the U.S. that mandates motorists purchase a minimum of liability insurance coverage. Liability policies cover property damages (property and automobiles) and bodily injury (medical expenses, lost wages, pain and suffering) caused to others in the event of a vehicle accident. Liability also covers any defense and court costs. State laws not only establish the minimal insurance requirement, but in addition to insurance companies, states often regulate the maximum amount of liability insurance coverage that you may purchase.

Personal Injury Protection (PIP) Insurance Coverage

While the 49 states that require motorists to purchase a minimum of liability coverage, several states including Florida, New York and New Jersey also mandate purchasing additional Personal Injury Protection (PIP). Also referred to as “no fault” coverage, PIP covers lost wages and medical expenses of insured drivers in the event of an accident. The purpose of the automobile insurance coverage protection is to ensure PIP patients receive proper medical treatment and protects physicians providing treatment to patients unable to pay for medical care.

Consequences for Uninsured Drivers

If you’re driving without auto insurance coverage, be prepared for unsympathetic consequences. In most states driving uninsured is a crime with harsh penalties, especially if you’re at fault in a serious accident. On the scene of an accident you are required to show proof of insurance coverage. While presenting proof of insurance is admissible at your court case, the date on your insurance card must be valid at the time of the accident. If you lack proof of car insurance coverage, expect to go before a judge and more than likely endure hefty fines.

The consequences of venturing out without proper coverage for insurance may also include suspension of driver’s license or license plates, especially if you live in California or Ohio. The suspension of license plates typically means vehicles are impounded or immobilized for a minimum of 30 days. Perhaps the greatest risk of driving without insurance coverage is the fact it makes you vulnerable for liability in the event of an accident. Not only are you responsible for the property damages and medical expenses incurred due to the accident, but you’re also responsible for all other parties involved. Such scenarios leave you defenseless to lawsuits. If you can’t afford to pay for damages, then your property or other valuable assets may be seized to recoup damages.

With the numerous companies offering affordable insurance coverage, purchasing policies before an accident is a wise decision that prevents hefty fines, suspension of licenses or plates and lawsuits that could potentially cause you to file bankruptcy.

Insurance Coverage References:

-Auto Insurance coverage by state
-How car insurance works?
-State-by-State Car insurance requirements

compare|Insurance Basics, Insurance Coverage| 11 12th, 2012|No Comments »

With the vast number of available options when it comes to choosing an insurance company, it’s often confusing to separate between companies that fulfill policy obligations and those that are in financial crisis. While you may wonderful how to find a reputable insurance company to purchase vehicle coverage, there are several online tools conveniently at your disposal to do some research to help make an educated buying decision.

Insurer Rating Agencies

The first place to begin your quest for information is by visiting online insurer rating agencies. Such agencies assist in determining the financial valuation of a specific insurance company while boosting consumer confidence. Ratings provide insurers with valuable knowledge to make the decision process a little less daunting. The following are four of the leading free rating agencies:

1. A.M. Best- The rating agency provides an independent opinion of an insurance company’s financial stability and its ability to fulfill current insurance policies and contractual obligations. The rating is based on a comprehensive evaluation of the company’s operating performance, balance sheet efficiency and overall business profile. The rating scale ranges from “superior” (A++) to “liquidation” status (F).
2. Fitch Ratings – This rating agency offers an opinion of an insurance company regarding its capability for meeting commitments such as policy claims and interest rates. Ratings vary from “lowest credit risk” (AAA) to current or imminent interruptions in payments (C).
3. Moody’s Investor Service – A trustworthy insurer rating agency that provides insurance company ratings varying from “exceptional financial security” (Aaa) to “poor financial security” (C).
4. Standard & Poor’s – Another reputable rating agency that’s responsible for maintaining the S&P 500 as well as rating the credit risk of an insurance company. Ratings scale from “extremely strong” (A) to payment currently in default (F).

Final Caveats about Insurance Company

Before you can begin your research on one of the above agency’s websites, you must first register with the site to gain access to ratings. Although many online users grimace at the thought of registering, the process is quick, easy and free. A few minutes spent completing the registration information is definitely a worth-while investment.

Keep in mind while rating agencies do analyze the financial stability of an insurance company, the ratings are opinions of the respective agencies. Although rating agencies can provide relevant research statistics to serve as a guiding post, they can’t offer any guarantees that a specific insurance company will fulfill its obligations to policy holders.

Finally, it’s important to compare insurance company ratings between at least five choices. Also, read the guidelines on how each rating agency ranks and categorizes companies. A “B” rating on one scale indicates “good”, however, on another the same rating could suggest “poor financial security.”

Remember that finding a reputable vehicle insurance company doesn’t have to be a daunting task with the available tools to help you find affordable premium coverage from a reliable source!

References:

http://morethanfinances.com/selecting-insurance-company/
http://www.ambest.com/ratings/guide.asp

We have put together unbiased and objective information on how to compare car insurance so you can get the best coverage and save hundreds of dollars every year

compare|Compare Insurance, Compare Insurance Quotes| 10 21st, 2012|No Comments »

The average classic car stands out from ordinary vehicles that are driven day in and day out. Many of these vehicles are worth tens or even hundreds of thousands of dollars, with plenty of prestigious examples being worth millions. Some classic cars hold sentimental value for their owners, making them practically irreplaceable. Chances are you don’t own a million-dollar classic car, but you do want to have it protected under the best insurance policy possible.

As with any ordinary vehicle, anything can happen to a classic car, from a minor fender-bender to a catastrophic accident that leads to a total loss of the vehicle. Just as it is important to have insurance coverage on an ordinary vehicle, it is especially important to have coverage for a classic car, especially if you want to protect your investment. Insurance plans can get pretty expensive, depending on the number of cars insured and the value of the vehicles being insured, so even classic car owners are looking for ways to save on auto insurance.

The best way to save on auto insurance for classic cars is to compare prices from different classic car insurance providers. Thanks to the unique nature of classic car insurance, making direct comparisons between classic car insurance providers can be a bit difficult, but it’s not impossible to do. Here are a few ways you can effectively compare classic car insurance companies and get the best rates available:

1. Make a list of the classic car insurance providers that are available in your area. Many of these providers serve customers nationwide while others handle regional customers. It is tempting to ensure your classic cars with the same insurance provider that offers coverage for your regular vehicles, but chances are you’ll want to stick with companies that specialize solely in providing classic car insurance.
2. Determine the value of your classic car. This will definitely have a bearing on how much it will cost to have it insured. Underestimating the value of the vehicle could lead to it being underinsured, causing you to fall short of the vehicle’s total value in the event of a claim.
3. Do your homework and research the benefits, perks and pitfalls offered by each classic car insurance provider. These companies offer varied types of coverage, as well as different levels of service and rates.
4. If possible, use a comparison site to get a rough estimate of the insurance costs. Comparison sites make it easier to compare multiple insurance providers.

Also, keep in mind the terms, Actual Cash Value (ACV), Stated Value and Agreed Value. Most insurance providers, mainly those specializing in ordinary insurance, rely on ACV, which is a depreciated "book" value paid in the event of a claim. Unfortunately, the older the vehicle is, the less book value it has. Most classic car insurers offer "stated value" policies that allow owners to state a value greater than the book value. However, insurers are only required to pay up to that amount. A few classic car insurance companies require owners to negotiate an "agreed value" before the policy is issued. The difference between an agreed value and a stated value is the insurance provider is required to pay the full agreed value in the event of a total loss, as opposed to offering less than the full stated value.

Finding the right classic car insurance provider can be a laborious and complicated experience, but having complete insurance coverage for your classic car makes it worthwhile. Fortunately, classiccar.com features a wealth of information on the best classic car insurance companies in the business along with other helpful tips on how to save on auto insurance.

compare|Compare Insurance, Insurance Tips| 09 3rd, 2012|No Comments »

In the United States, approximately 50 million individuals are reported having a chronic, or long-lasting, disabling condition making the segment of the population the country’s largest minority.  With such a large population, there’s often confusion about whether or not an insurance company is legally required to offer coverage to individuals with disabilities without hiking up the premiums.

So, with such a wide audience currently being under-served, an insurance company using common sense would market products and services specifically to the niche.  Myths surrounding auto coverage, however, tend to make insurance company providers a bit uneasy when offering policies.

What the Law Says…

Almost everyone is somewhat familiar with The Americans with Disabilities (ADA) Act of 1990, especially individuals with disabilities and advocates active in the disability community.  While it’s often a misconception the people with disabilities are only guaranteed protection of rights regarding public transportation, the ADA also entitles the same individuals to vehicle coverage from an insurance company of their choice without the fear of discrimination.

Insurance companies are prohibited to deny auto coverage or require a higher premium based solely on the fact of a disability, unless there’s documented evidence to prove or suggest an individual’s disability increases the driver’s personal risk and/or to others while beyond the wheel.

For example, an insurance company may rightfully consider a diabetic with driver license’s restrictions prone to frequent hypoglycemic as a potential high-risk policy holder.  On the contrary, an insurance company can’t raise premiums on an individual suffering a loss of limb.  Why?  Research indicates drivers with such disabilities are more cautious and less of a threat than non-disabled drivers.

The Insurance Company’s Rights

An insurance company has the right to select what policies and coverage offered.  Premiums and deductibles are calculated based on individual driving records, insurance scores and those deemed as a potential high risk policy holder.

Although an insurance company is not allowed to discriminate against customers with disabilities, if the individual has serious infractions on a driving record (whether directly related to the disability or not), then the insurance company does have the legal right to deny or cancel existing coverage.   .

Fortunately, the majority of reputable insurance companies understand the laws as well as the severe legal ramifications for intentionally denying a person with a disability vehicle coverage or charging illegitimate premiums.

The Individual’s Right

As a person with a disability it’s your right to notify your insurance company of things such as changes in your medical condition that may affect your ability to drive, vehicle modifications, and any existing restrictions on your driver’s license.  You also have the right to request a quote for any insurance company of your choice and expect to receive the same level of customer service as others.

Related Links to Insurance Company Coverage:
-http://www.allstate.com/auto-insurance/auto-insurance-coverage-options.aspx
-http://californiaautoinsurancezone.com/Car_Insurance_For_People_With_Disabili ties.html
-http://ezinearticles.com/?Are-Car-Insurance-Companies-Discriminating-Against-the-Disabled?&id=2889671

compare|Compare Insurance, Insurance Quotes| 08 12th, 2012|No Comments »

If you’re involved in an accident, you depend on your car insurance to cover any damages that are included in the policy. Likewise, vehicle insurance companies also expect you to be a responsible and honest customer, especially when filing a claim for damages. There are a couple of things to keep in mind not only to ensure that your policy will pay for damages, but also from protecting you from potential legal woes.
Honesty is Always the Best Policy

The cliche is true. While it may be tempting to “shop” among local body shops to get an estimate that reflects the most damage to your vehicle to send to your car insurance company, or conveniently drive your old clunker over a cliff, it can literally land you in a heap of trouble.

Auto insurance companies usually perform inclusive investigations when assessing claims, and if anything proves to be fraudulent, the claim is usually automatically rejected and denied. The insurance company may also decide to cancel your coverage. Furthermore, vehicle insurance fraud is a felony with harsh penalties.

Understanding Your Insurance Coverage

Many drivers simply don’t understand their car insurance coverage. The misunderstandings often result in customers attempting to file a claim not covered by specific policies. A common occurrence is accidents caused by a deer striking a moving vehicle. While most drivers assume their car insurance coverage is responsible for paying for damages from the accident; however, unless customers buy comprehensive insurance, such accidents are not covered.

Another example with winter driving, suppose you’re involved in a single vehicle accident caused by hitting a spot of black ice and crash into your neighbor’s mailbox, without collision car insurance coverage you’re responsible for damages.

Missing a Car Insurance Payment

Just as car insurance companies expect you to be a safe driver, they also anticipate to receive monthly or quarterly payments on time. Once you’ve missed a payment, insurance companies send customers a cancellation notification with a grace period when your coverage will be suspended. Although most car insurance companies reinstate coverage once payments are up-to-date; however, the problem arises if you’re involved in an accident during the lapse and suspension of coverage. In such cases, consider yourself solely responsible for paying any damages due to the accident.

Driving Intoxicated

Driving under the influence of either alcohol or drugs, or both, should be a no-brainer. The consequences of being responsible for an accident caused while intoxicated are quite severe. Not only does it have a negative effect on your car insurance coverage, but the consequences also extend into legal issues including suspension of your licenses and potential jail time.

Being a responsible and honest driver offers numerous benefits for car insurance customers. Always read your policies carefully and ask your local agent if you have questions before accidents happen. Also, to ensure your car insurance covers damages occurred in an accident, be sure to make payments on time and avoid driving while intoxicated.

Insurance References:

http://money.msn.com/auto-insurance/how-to-wreck-an-auto-insurance-claim-insurance.aspx

http://personalinsure.about.com/od/whattoexpect/a/aa071704a.htm

http://bucks.blogs.nytimes.com/2011/12/28/how-to-file-an-auto-insurance-claim/

compare|Auto accident, Driving Tips, Insurance Tips| 07 21st, 2012|No Comments »

With the growing population of baby boomers, AARP recognizes the need to offer cheaper car insurance to the many senior citizens already living on a limited income.  The AARP Auto Insurance Program from the Hartford offers members a generous selection of lower auto insurance premiums without sacrificing the quality of coverage.

What’s Covered?

Although coverage and premiums vary depending on factors such as driving records and geographical locations, the affordable auto insurance program offers financial relief to many seniors enjoying their golden years.   The basics of the lower car insurance coverage include:

•    Bodily Injury Protection
•    Collision
•    Comprehensive
•    Full Glass
•    Medical Payments
•    Personal Injury Protection (PIP) – No Fault
•    Property Damage Liability
•    Rental Reimbursement
•    Uninsured Motorists (including bodily injury and property damages)

In order to determine eligibility and comparing cheaper car insurance quotes, you can begin the process by requesting a cheap quote from AARP.

Features and Benefits of Affordable Auto Insurance

In addition to offering more affordable auto insurance for AARP members, the program also offers exclusive features and benefits that other cheaper vehicle insurance providers don’t provide.  Although some benefits are contingent upon maintaining a good driving record, being physically and mentally capable of driving, state laws, and any existing serious infractions such as a DUI.

Qualifying members for the lower auto insurance rates are also granted access to the following features and benefits:

1. 12-Month Rate Protection – The affordable car insurance program is a 12-month policy, therefore rates remain locked in for one year.
2. 24/7 Hassle-Free Claim Service
3. Decreasing Deductibles – Simply maintaining a clean driving record reduces your collision deductible by $150, with additional annual reeducation of $50 each year with no accidents.
4. First Accident Forgiveness – The typical premium increase following your first accident is waived, assuming other drivers listed on the policy have a good driving record for previous 5 years.
5. New Car Replacement – The Hartford affordable auto insurance program will replace the cost for the identical make and model with deducting depreciation if the vehicle is totaled within 15 months and/or 15,000 miles.
6. Recover Care – The feature pays for home services such as cooking, cleaning, transportation and even yard work if you’re injured in an auto accident and can’t perform the tasks due to the injury.

Whether you’re planning for retirement or already enjoying the golden years, it’s never too late to compare quotes to find cheaper car insurance.  Thanks to the joint effort of The Hartford and AARP, millions of senior citizens appreciate the affordable auto insurance program, as well as the exclusive bells and whistles.

Related Links to Cheap Car Insurance

http://www.onlineautoinsurance.com/cheap/
http://www.esurance.com/

compare|Compare Insurance Quotes, Insurance Quotes| 06 9th, 2012|No Comments »

It’s important to compare insurance auto quotes to get the best deal available. With the infinite options to test drive the current market from the convenience of home with the endless supply of online auto insurance companies vying for your attention, the process may seem a bit overwhelming. Although the process of comparing insurance quotes is relatively simple, there are a few things to keep in mind.

Getting Started to Compare Insurance Quotes

Before firing up your computer and breaking out the keyboard, there are a few things you need to have handy when comparing insurance quotes. The most essential piece of information you need to be familiar with is the state laws regarding licensed motorists in the state in which you reside.

In addition to brushing up on your legal responsibilities, there a c couple of other things you’ll need including:

Comparing Insurance Quotes Locally

Once you have all of the essential information together, it’s often best to begin your search locally. Thanks to the advances in technology, nowadays many smaller companies are representing a fierce online global presence. Consider advising Google or Yahoo to find local providers, or consult the almost obsolete local telephone directory for more options. Select at least 5 establishments to get an average baseline when you compare insurance quotes. If you talk to a live person, be sure to jot down the representative’s name and telephone number for future reference.

Comparing Insurance Quotes Nationally

Thanks to the same technological advances, it’s becoming routine practice to compare insurance quotes from national providers. A simple search yields numerous results in which you can narrow down to the top five. Online insurance companies allow you to plug in some basic information and within a couple of minutes generate a free quote. Other virtual providers may ask for a valid telephone number in which a representative gives you a personal call to review your quote information.

Why Do I Keep Getting Quotes?

When you compare insurance companies online, don’t be surprised if you get a wide range of different quotes. Why? Each individual insurance company has its own formula to calculate individual quotes.
Factors such as age, state of residency, previous claim’s history, prior driving record and where your vehicle is garaged influences personal quotes when comparing insurance coverage. Also companies are always changing their rates, so a quote you receive today may be different next week.

When comparing insurance quotes, keep in mind that certain situations usually affect your auto insurance coverage. These may include:

1. Milestone birthdays
2. Buying a new car
3. Purchasing a new home
4. Changes in credit score
5. Marriage
6. Having children.

It’s always practical to compare insurance rates to obtain the most savings without sacrificing coverage!

Links Related to Comparing Insurance Quotes

-Car Insurance comparison tips

-Important factors when compare car insurance companies

compare|Compare Insurance, Compare Insurance Quotes, Insurance Quotes| 05 19th, 2012|No Comments »

The increasing number of older Americans behind the wheel leaves many family members wondering how much longer their loved ones will be able to keep auto insurance coverage. According to statistics provided by the Federal Highway Administration published in 2008 revealed that 10% of all motorists, or 21.6 million licensed drivers, in the United States was comprised of drivers over the age of 70. AARP, an insurance coverage provider for individuals over 50, projects by the year 2025 that drivers over the age of 65 will embrace 20% of all motorists.

Despite projections offered in 2003 by highway “experts” claiming as the average age of American drivers grew, so would the number of accidents involving mature motorist. In reality, however, the Insurance Institute for Highway Safety reveals 32% fewer fatal traffic accidents occurred in 2009 among drivers 70 and older as compared to data from 1997.

So what does the statistics mean for your aging loved one and insurance coverage possibilities?

Individual Insurance Coverage

The bottom line is there’s no set age that deems a person too old to drive or obtain insurance coverage. In fact, the above statistics indicate that older drivers are involved in less serious fender benders as well as improving their chances of being able to survive an accident. The improvements are in large part to modern technology installed in new vehicles as well as better insurance coverage.

While some drivers may be ready to hang up their keys after the age of 50 due to deteriorating health conditions, others may feel comfortable driving well past 90.

The National Safety Commission offers some signs that may indicate that your aging loved one may be ready to retire from the road and cancel existing insurance coverage. The warning signs include:

1. Difficulty paying attention to road signs and traffic signals.
2. More incidents of close calls and near-misses (indication of slower reaction time).
3. Driving below the normal speed limit.
4. Repeatedly forgetting to pay insurance coverage premiums.
5. Trouble navigating or frequently getting lost going to familiar destinations.
6. Receiving more traffic tickets or verbal warnings.
7. More dents and scrapes on the vehicle.

Proactive Steps to Ensure Safe Drivers and Insurance Coverage

There are some effective proactive steps being taken to ensure aging motorists are still eligible for insurance coverage as well as remaining to be safe drivers. Several states are now shortening the renewal cycle for driver’s licenses of motorists over the age of 65 or 70.

Also, mandatory vision testing is required for drivers once they reach a certain age to qualify for various insurance coverage policies. Programs are also available for mature drivers to improve driving skills.

AAA also offers several online skill assessments and self-rating resources that help to determine whether or not your loved one should renew insurance coverage. When the time does come to have the “talk” with your aging loved one about surrendering the keys, be sensitive and patient when discussing handing over the keys and cancelling insurance coverage.

Related Links to Insurance Coverage for Senior Citizens:

http://www.carinsurancequote.net/senior-car-insurance.html

http://cheapercarinsurance.com/tips/affordable-car-insurance-for-senior-citizens/

compare|Driving Tips, Insurance Coverage| 04 13th, 2012|No Comments »