Although these numbers represent the minimum amount of coverage you are required to obtain, it is generally recommended that you opt for coverage greater than the minimum. In today's litigious society, it pays to have a little thicker security blanket. This leads us into the next consideration you may want to weigh: do you need comprehensive coverage? A standard auto insurance policy only covers you for damage caused to your vehicle in a collision. Comprehensive coverage compensates you in the event of theft, vandalism, or force of nature, such as flooding or fire. Some of the additional benefits of comprehensive coverage come in the form of towing, road-side assistance, and discounts on rental cars.

Seniors are the fastest growing population seeking auto insurance, as well as being some of the safest drivers out there. In acknowledgement of that fact, more auto insurers are offering senior discounts on premiums and other benefits that this large group should be aware of. While there are several auto insurance discounts available, to receive them, you must ask your agent. These special offers vary by insurer and state, but can save some individuals up to 5% on their auto insurance. There are even some insurers who offer a discount on personal injury protection. In this same vein, ask your insurer about safe driver discounts and discounts for attending safe driving classes. Not only is this a great opportunity to save money, it can be a life-saver since the elderly need to be proactive about driver safety. By age 70 or before, our keenness of perception and ability to react are on the decline and may require accommodation. Night driving can be especially taxing, even for people in the prime of life. Like Clint Eastwood said, "A man's got to know his limitations."

Choice of vehicle can lower senior auto insurance rates as well as lower your chances of getting into an accident. By consulting the Highway Loss Data Institute, you can narrow your choice of vehicle according to its cost of repairs, frequency of theft, and highway safety. Choose a car with adjustable seats that allow you to get into a comfortable position which allows full visibility. Make sure controls are easy to operate, and that seat belts and airbags are installed. Doing all of these things will ensure that your senior auto insurance quote will be as low as possible and you have taken every step to keep you safe on the road.