Marty Agather, senior vice president of the consumer resource site TrustedChoice.com says that older drivers are considered safer drivers, judging by the number of accidents and claims. This type of data helps insurance companies set prices for premiums. Mature drivers, who are retired and not driving to work every day but are still vital, will enjoy better insurance options. According to 21st Century Insurance, many insurance companies offer mature drivers special rates and discounts and they can typically pay 5 percent to 15 percent below 30-50 year old drivers.

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