Drivers Over 45

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Get the car insurance you need for being a driver over age 45, at great rates, with claims service you can count on. It’s easier than you may think.

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Age is one of the many factors that insurance companies consider when determining your auto insurance rates. Teenagers, young adults, and new drivers fall into a higher risk category and will have higher premiums, as research shows that young drivers are more prone to getting into an accident.. Statistics show that inexperienced drivers or drivers under 25 are much more likely to get a traffic violation such as distracted driving, speeding, failing to stop at a stop sign, running red lights etc.

Alberta has a private delivery system for personal automobile insurance and the law is that everyone has access to coverage, regardless of their driving record. There are, however, a number of factors that can impact how high your vehicle insurance rate will be:

  • Number of at fault accidents
  • Number of traffic tickets
  • Age
  • Driver training
  • License suspension
  • Lapse in insurance coverage
  • Use of vehicle
  • Number of years of continuously holding a valid driving license
  • Gender
  • Marital status

How Old Do I Have to Be to Get a Better Rate?

Generally speaking, insurance companies begin to reduce rates for drivers with good records after the age of 25. Drivers over the age of 45 can begin to see an improvement in their policy rates, especially if they have not had any accidents or traffic violations for a number of years.

The Best Rates for Mature Experienced Drivers

At Bow Valley Insurance, we do the shopping for you to find the best rate that will meet your specific needs. If you are a driver over 45, let yourself be rewarded for your experience, good driving record, and responsibility and let us help you find a lower rate. In order to qualify for a reduced premium you should be:

  • At least 45 years of age
  • Have no drivers under 25 years old using your vehicle
  • Have no accidents or traffic violations for the past 6 years

Do Insurance Rates Go up with Age?

Insurance rates can become lower with age, depending on your driving history and record. If you are over 45, the longer that you have been accident-free and traffic conviction free, you can qualify for a better vehicle insurance rate. Also we have offer special discounts rates to drivers of 45.

At Bow Valley, we have been insurance specialists since 1979, helping people like yourself find the most affordable rates and best coverage options. We will shop the rates of several insurance companies for you and provide a detailed comparison for your specific needs. We will also work to locate any other discounts that may reduce your rates such as having a short commute, multiple vehicles or driver training.

Please contact us for a free, no-obligation quote with one of our knowledgeable, experienced insurance specialists.