How many 55-year-olds do you see roaring around the streets in souped up cars? I would suspect the answer is not many. Yes, there are dangerous drivers of all ages, but statistics show that drivers over 55 have less accidents and drive more cautiously. However, once drivers reach 65, they are statistically more likely to be involved in an accident. This is why older drivers might see their Massachusetts car insurance premium go up.
That’s not to say all drivers get worse once they reach a certain age. Many 65-plus drivers are better drivers than they ever were because they are still sharp as a tack and have a wealth of driving experience. However people’s faculties do tend to decline with age, and this can affect driving.
One thing older drivers can do to be safer on the road and make a case for a lower premium is to take a refresher driving course. The “55 Alive” course offered by AARP is one such course you can take. Taking a refresher course and keeping up-to-date with the road rules may entitle you to a continued discount on your auto insurance premium.
It’s definitely something to think about if you are an older driver and don’t want to pay more for your auto insurance.