Car Insurance for an elderly driver

[cnelk]

Trying to help my elderly mother get some vehicle insurance.

She’s 86, widowed. She owns a 2018 Chrysler Pacifica mini van that has 30,000 miles.
She doesn’t drive 1000 miles a year.

She was quoted today $1600/yr and that’s a bit out of her price range (not sure what company)

Any ideas where to look?

 

[cnelk]

I should add that I told her it was expensive because she was a high risk driver….

That didn’t go over very well

 

[Skerhunter]

Unfortunately that doesn’t sound too crazy for today’s prices! Auto insurance is out of control.

 

[Hickory1991]

Unfortunately that doesn’t sound too crazy for today’s prices! Auto insurance is out of control.

All insurance is out of control. I am 74 wife 71. Ended up bundling to get premiums down. Farm Bureau for us. Around 1800 for two vehicles per year.

 

[eddielasvegas]

Okay, I'll reply with my flame suit on, but don't take this personally.

I have boatloads of experience in this arena. My Mom is 93 and hasn't driven for five years.

My MIL is 87 and hasn't driven in over 2 years.

Neither should have been driving when their time came to accept one of the realities of living a long life. For a couple data points, both yearly premiums were about what your Mom was quoted.

Insurance companies are as good as it gets for determining risk and that premium tells you a lot.

Maybe another company will be a little cheaper. I'd be shocked if it'll go below $1,300/year.

Maybe it's time to have the conversation about your Mom driving at her age? I assure you she's not capable of driving safely.

Good luck,

Eddie

 

[North of 60]

Okay, I'll reply with my flame suit on, but don't take this personally.

I have boatloads of experience in this arena. My Mom is 93 and hasn't driven for five years.

My MIL is 87 and hasn't driven in over 2 years.

Neither should have been driving when their time came to accept one of the realities of living a long life. For a couple data points, both yearly premiums were about what your Mom was quoted.

Insurance companies are as good as it gets for determining risk and that premium tells you a lot.

Maybe another company will be a little cheaper. I'd be shocked if it'll go below $1,300/year.

Maybe it's time to have the conversation about your Mom driving at her age? I assure you she's not capable of driving safely.

Good luck,

Eddie

My mom is still living independently and driving at 90 (this year) and we will be having Eddie's conversation with her in the next year or so at the latest probably.

 

[eddielasvegas]

My mom is still living independently and driving at 90 (this year) and we will be having Eddie's conversation with her in the next year or so at the latest probably.

I know, I know. There are exceptions to every rule so don't get your knickers' in a bunch.

I'm a percentages guy and I'd bet (see my forum handle) that fewer then 5% of 85+ year olds will pass a driver's test. They simply do not have the situational awareness or reaction times to drive safely.

So your Mom can do all her basic and instrumental ADLs? That is truly amazing for a nonagenarian.


Eddie

 

[cnelk]

I started thread here a few months ago about when elderly drivers should hang it up… quite entertaining.

My mom is actually a pretty good driver. But the stats are against her.
She lives in Loveland and there are lots of free ride share opportunities for the elderly in the area but she is stubborn and won’t take advantage

 

[BRTreedogs]

Just contact or have her contact a local broker that has good reviews.
Let them do the shopping.
They usually come back with 3 quotes and advice on the pros and cons of each policy/coverage.

After that it just is what it is.
Other then dropping the coverage down/higher deductibles. Nothing you can do.

Except maybe spark up some side work and pay it for her.

 

[cnelk]

Except maybe spark up some side work and pay it for her.

Yeah. Hmm. That ain’t happening

Family dynamics come into play

 

[WiscoHoundsman]

Does $1600 include full coverage? I think we are around $1300 for my wife’s 2023 palisade and a $1000 deductible. She’s 35. Just another data point as we got our renewal information last week.

 

[BRTreedogs]

Yeah. Hmm. That ain’t happening

Family dynamics come into play

Guess she could yolo and just hammer down hoping for the best?

 

[North of 60]

I know, I know. There are exceptions to every rule so don't get your knickers' in a bunch.

I'm a percentages guy and I'd bet (see my forum handle) that fewer then 5% of 85+ year olds will pass a driver's test. They simply do not have the situational awareness or reaction times to drive safely.

So your Mom can do all her basic and instrumental ADLs? That is truly amazing for a nonagenarian.


Eddie

Hey Eddie i was agreeing with you about how prudent it is to have that conversation with mature parents when the time comes

Yes, she is in excellent health for her age and should we all be so fortunate.

 

[Backyard]

Try Progressive. Online though. Not through an agent. You can get pretty basic with them.


Sent from my iPhone using Tapatalk

 

[Wheels]

In my opinion, elderly people still on the roads is a result of the family not wanting to deal with the transportation duties of their parents. My wife's mother still drives at 85 and can hardly remember where she is, but my wife and her brother openly talk about not wanting to haul her around if they take the keys away.