Typical Discounts For Experienced Drivers

If you have been driving behind the wheel for some time, you can expect your insurance rates to drop.  We recommend you to signal the company about this, if the rates do not gradually drop. After all, with great experience come great rewards. You should read our blog about typical discounts for experienced drivers and visit our website to get car insurance quote.

All studies show that mature drivers are preferred by insurance companies. Furthermore, being a mature driver and having some experience as a driver will result in even better rates. Typically, after the age of 25 years, the rates will gradually drop.  This happens as long as you maintain a good driving record, without any traffic violations or insurance claims.  Keep in mind that there are many factors that influence the rates and can increase them, even if you maintain a good driving record. Amongst those factors, we can include the model of the car you drive, where you live and you annual mileage.

Between 25 and 65 years old, you are considered an experienced driver.  Good driver discount are offered to you if you do not make any claim for a number of consecutive years and stay as loyal customer to the same company.

After 65 years old, the premiums will start to increase again.  Center For Disease Control and Prevention (CDC) explains that higher costs of insuring this age group come in part because of vision impairment problems,  various diseases and used of prescription medications and changes in physical functioning. Still, senior drivers can get affordable premiums and even discounts if they agree to follow a defensive driving program. Furthermore, if you do a thorough search, you can find out that many companies provide senior organization membership discounts. Enrolling in pay-as-you drive programs is also a good solution.

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by Ciprian Gurgu