Archive for May, 2010
Tips to Lower Auto Insurance Rates for Senior Drivers
Experience is the best teacher; it gives the test first before the value. And the people who have these great experiences are the seniors out there. Living in this “not-so-easy” world for several years allows them to gain knowledge and wisdom that give them aura of “a person of substance.”
On the other hand, these seniors are still individual who don’t have all the answers to the questions or all the knowledge about everything. They are still learning. They still need some guidance in some ways or another like to save money in their insurance. So if you are one of the senior drivers, following the few simple tips here can ensure that you are getting the lowest rates possible on your insurance policy.
Pay close attention at intersections because more often than not, auto accidents involving senior drivers occur at the intersection. If you plan to quickly change lanes after an intersection, make sure to look ahead. Pay attention to protected left turn lanes with their own arrows. A rear-end will not push you into oncoming traffic if you keep your tires pointed straight ahead when stooped.
Drive at or near the speed limit. When entering or exiting interstates or freeways, driving too slowly can be just as dangerous as speeding. Just follow the flow of traffic and it will keep you away from danger.
Failure to yield right-of-way, improper turning or incorrect lane changes is the violation often committed by the senior drivers. Keep current on the traffic laws to new traffic designs.
The National Highway Traffic Safety Administration advises you to sit high enough in your seat. It will enable you to see at least 10 feet in front of your car; therefore it will be easier to see pedestrians and bike riders, and reduce problems from incoming headlights glare during night time. Add a cushion if your car seat cannot be adjusted.
Next is when driving at night. Do not wear sunglasses or any tinted glasses. Night vision is being reduced when you are getting old, thus, it will be safe for you not to drive at twilight or after dark. Also, look for cars with rear-view mirrors that automatically dim and filter out headlights glare.
Take a refresher-driving course, such as the eight-hour “55 Alive” course offered by AARP so that you, as a senior driver, can refresh you skills and knowledge about driving and also learn the new traffic laws and design. More than two0thirds of states mandate auto insurance policy discounts for such courses, and the best thing is that, many insurance companies offer the discount voluntarily.
Learn to operate a New Car. Thing like anti-lock brakes, operate differently in slippery situations. If you have never driven a car with anti-lock breaks, make sure to get training on proper use.
More advance air bag technology has sensors that deploy air bags based on the weight of the occupant, reducing air bag related injuries. Some new cars also have side air bags in the seat or doorframe that offer better protection.
Considering fit and comfort in your new car will keep you safe like seatbelts that comfortably fit over you shoulder and low on your lap. Automatic transmission, power steering and power brakes require less physical effort.
Check which companies offer specific “Senior Discounts.” Shop around for the best auto insurance rates and choose which insurance company has the best treatment to senior drivers. If you’re healthy and drive a safe modern vehicle, you can get their best rates.
More often than not, seniors get special treatments and benefits than others. As the maxim goes, seniority rules….
Roxel Pudol
http://www.articlesbase.com/insurance-articles/tips-to-lower-auto-insurance-rates-for-senior-drivers-90150.html
Trip to Mexico for Senior Citizens
For senior citizens, you more at your disposal to explore and can pick and choose on top of staying over a longer periods as you are not bound by work. For an elderly traveler to Mexico, you are in a better position than most other travelers as you have lesser responsibilities on your mind to travel as your free spirit will take you. Whatever the seasons are, you can have time and opportunity to travel and that can save you considerable sum of money as well as avoiding large crowds that travel during peak periods.
When vacationing in Mexico, summer time is the best period as tourists arrival is at the lowest. Group tour during this period is the perfect opportunity as you can spend your time shopping too. You don’t have to fret too much even if the weather is hot as you will spend most of your time in soothing comfort of air-conditioned. It is pleasant and easier to travel with people in the same age bracket and you will avoid having to shove and push around with big crowds as well. Night time is usually more tranquil too.
Even though Mexico is not as developed as United States, it is a charming country but is not as disabled friendly there as you will most probably not find any ramps or handrails for staircases. Verify with your travel agent if you aren’t as mobile and it is best to travel with group when in public places as well as avoid going out at night. The concern is that elderly is main target for thief and assault.
When you are vacationing to a foreign country, be respectful but at the same time, protect yourself and your property and more so for senior citizens. Use your common sense and stay in group as well as secure your valuables but the smart choice is to avoid travelling to areas where crimes are widespread. Senior citizens may be seen as easy targets but provided that you adhere to all safety precautions, it is pretty safe to travel for senior citizens.
Check with your tour operators as there is a lot that offer group tours as well as offer all the requisite arrangements. For those that chose to travel alone, there are plethoras of senior citizen discounts that you can get but always be open on discounts when reserving hotel rooms as well as meal as a senior citizens is entitled to many more.
Vacation in Mexico is for people irrespective of their age and senior citizens can enjoy a whole novel experience irrespective of whether they are there for shopping, dining or any other activities. The rich culture of Mexico ensures that that is never a dull moment there so enjoy your stay there.
Jhye
http://www.articlesbase.com/destinations-articles/trip-to-mexico-for-senior-citizens-711736.html