So, tell me why my car insurance premiums are going up. How can I find cheaper senior car insurance for over-75 drivers?

A: Like a lot of other good drivers, you’re a victim of statistics. Insurers use a whole bunch of different criteria to decide on insurance rates for specific groups. Unfortunately, even though your record shows that you’re a careful and safe driver, you fall into a high-risk group. Accident rates for both men and women begin to increase at age 70. They rise dramatically for drivers over 80, and when this age group does have an accident, they suffer more serious injuries and more fatalities.

Rates for everyone in that senior insurance group go up. In effect, you’re all being tarred with the same brush. Even if you are a safe driver, your insurance company is raising your rates
to compensate for all the other over-75 drivers who are not so safe.

One way you might be able to get cheap senior car insurance for an over-75 driver is to take a Safe Driver Course. In fact, the majority of US states require companies to give discounts of as much as 15% to drivers who complete the course every three years. These classes are offered by AARP, AAA, some senior centers and other organizations. Contact your local Department of Motor Vehicles to find one in your area.