Your driving record isn’t the only thing that can affect your car insurance rates. Age and even gender can also play a significant role. Here at Great Lakes State Agency, serving Okemos, MI, and the surrounding areas, we want to help you understand how all of these details impact your insurance. Keep reading to learn more.
Young Drivers
The youngest drivers, those who have just gotten their licenses as teenagers, are considered the most risky drivers on the road. As these drivers age, car insurance premiums will start to come down if they maintain good driving records. Many people aren’t aware that when your rates begin to come down as you get older, they don’t keep coming down forever.
Aging Drivers
The best insurance rates are for those in their 30s and 40s with great driving records. Unfortunately, after 60, rates start going back up again. This is due in large part to the scientific fact that as we age, our reflexes slow. People also start experiencing things like hearing loss, vision loss, and memory problems. All of these factors can work together to make driving far more difficult, and when driving is difficult, it’s more risky.
What Aging Drivers Can Do
If you are entering the age where rates are about to increase, the best thing you can do is keep an excellent driving record. Don’t engage in risky driving behaviors like speeding. The better your record, the better your rates.
If you’d like to learn more about auto insurance, please contact us at Great Lakes State Agency. We serve Okemos, MI, and the surrounding areas. We are happy to help you with your insurance needs today.
