About Getting Auto Insurance for Seniors

Whether you live in Brandon, FL or another city in the Sunshine State, no matter your age, you want to know you have access to auto insurance. Senior citizens especially want to know this as staying mobile plays a big role in staying active. When you are a senior and wondering what to expect about coverage, let our agents at Runnels Insurance put your mind at ease. 

Florida’s Stand on Insurance for Seniors

The good news is that Florida does not impose a maximum age when you can get auto insurance. The state also does not allow an insurance company to refuse coverage or cancel your current policy because of your age, only. 

Exceptions for Coverage Seniors Need to Consider

While there is no limit regarding age to get auto insurance in Florida, the state does have several regulations that seniors must comply with. These include renewal of your driver’s license and passing a vision test.

Renewing Your License

If you are 80 or older, instead of the standard 8-year period before you can renew, you will have to renew your license every six years. 

Vision Test

When you renew your license, you will be required to take and pass a vision test. Your vision will need to be 20/50, which is the minimum required. 

Other Considerations

On the positive side, Florida requires that auto insurers offer discounts if you have completed a certified driver safety course for mature drivers. 

On the other hand, you may see an adjustment in your insurance premiums. Your insurer may also require an update on your medical status. This may be if there is an increase in the claims you have filed or there is documentation of a decrease in your ability to drive.

Contact Us

For our Brandon, FL seniors, don’t worry about your auto coverage. One call to Runnels Insurance will help keep you on the road.

Have you ever wondered why driving in the Brandon, FL area is so challenging? You may have heard a myriad of reasons. The growing population, the constant construction, sudden weather changes, and different driving styles from across the country are just a few. 

Compounding the problem is the large number of uninsured motorists across the state. This is perhaps the biggest reason to look into uninsured and underinsured coverage, and Runnels Insurance can help. 

How Can Uninsured Motorist Protection Help?

Uninsured and underinsured motorist coverage helps ensure that you will be financially protected if you are involved in an accident that is the fault of the underinsured or uninsured motorist. 

Oftentimes, uninsured motorists do not have sufficient assets to compensate the other driver when they are involved in an at-fault accident. Uninsured motorist coverage gives you an extra layer of protection. 

This critical additional protection can be surprisingly affordable when added to your existing auto policy. Reach out to us to learn more. 

Reach Out to Us for a Quote

The next time you are driving in heavy traffic, whether it be on I-75, I-4, I-275, or elsewhere in the Hillsborough County area, take a moment to notice the sheer number of vehicles on the road. Consider that many of those vehicles may be driven by people without auto insurance. 

If you live in the Brandon, FL area, contact us at Runnels Insurance for a no-obligation quote for uninsured motorist coverage.