Garland Insurance Blog

Changing Your Driving Habits as You Get Older

Retirement doesn’t mean you have to stop being active. In fact, it means you have a lot more time to get out and enjoy life. Still, lifestyle changes beckon. Many of them have to do with the fact that you’re getting a bit older.

One of the habits you’ll likely need to adjust is your driving. Getting older means you might face risks on the road that you did not previously. This could put you in danger of mistakes that might lead to accidents. More infractions on your driving record could lead to higher auto insurance rates.

Staying Safe on the Road Post-Retirement

Once you retire, your finances likely won’t be as solvent as they once were. That means you’ll have to carefully manage your assets and cut costs where necessary. You’ll likely want to keep a rein on your standard costs, such as your car insurance premium.

But, before you start sacrificing coverage to cut prices, take a look at other ways to make changes. One of the most effective ways to keep your car insurance prices lower is to become a safer driver. Getting older, however, might call this safety into question. Older drivers often have slower reaction times, diminished sight and other qualities that might make them comparatively unsafe. These qualities could increase the driver’s chances of having to pay more for insurance.

Still, there are things older drivers can do to make themselves safer behind the wheel. These might include:

  • Visiting an eye doctor. Determine if you need glasses or contacts to help clear your vision while you drive.
  • Having your hearing checked periodically. If your hearing begins to decline, you might need hearing aids or other assistance on the road.
  • Considering no longer driving at night. In the daytime, you have much more ability to see.
  • Driving a little slower, and leaving more space between your car and the car in front of you. This gives you more time to react in case of sudden occurrences.
  • Knowing when to avoid high-traffic situations, such as rush hour or interstates. Use more caution when driving in these scenarios.
  • Asking your doctor if any medications or health conditions will affect your ability to drive.
  • Making ample use of windshield wipers, lights and other assistance mechanisms.
  • Taking a defensive driving course, or other occupational therapy to help improve your driving capabilities.

Retired drivers don’t have to pay exorbitant prices for their coverage. When you retire, call your auto insurer. You might qualify for savings because you will drive less since you no longer commute. Or, your insurer might offer retiree discounts. Still, it never hurts to take proactive steps to save on costs after you retire. 


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