Collision Insurance and Comprehensive Auto Insurance - At What Price? Many automobile insurance companies base their rates partly, for the ages of the motive force. Generally speaking, the younger the driving force is, the higher the rates is going to be. Also, the older the trucker is, the higher the rates will probably be. Senior automobile insurance rates are often high because, right or wrong, the insurance plan companies consider older drivers being the upper chances. Also, if there was to become an accident, seniors require more medical attention than middle aged drivers. However, there are several steps that you could decide to try reduce the expense of senior auto insurance. third party insurance can help to eliminate your costs but you need to find out what you will be getting into here. You see alternative party insurance only covers the other party and not you! So if you come with an accident with another car, the driver of these car could have their costs covered should you be at fault. However, you will be accountable for your personal repair costs. This might not be a good financial move. So, ponder over it meticulously. 2) Drive safely , nor make frivolous claims. Take every precaution to operate a vehicle within the law and never get any tickets. The auto insurance companies like to insure safe drivers. However, should you end up in a fender bender, dont claim the harm unless its significant. Again, right or wrong, the firms that offer automobile insurance consider older persons to become prone to make a claim than younger drivers. Show them that this is not the case with you. Your teenager should start off with as clean accurate documentation as possible for top level rates. If they prove to be a good and courteous driver, and receive no tickets or daily car insurance (click here) car insurance for provisional drivers cause hit and run accidents, your insurance could be lowered with time. So teach she or he safe and defensive driving, and make sure they never, ever drive within the influence. As such, several auto insurance plans rely on a good estimation from the average annual distance likely to be driven which is provided by the insured. This benefits drivers who drive their cars infrequently but doesnt have actuarial value since it is unverified. Indeed, some states require that motorists carry liability insurance coverage to ensure that its drivers can cover the price of damages to individuals or property in the event of a car accident.