Reader’s Question:

Where can I get car insurance for high risk driver? My current insurance provider told me to get a separate car insurance for my dad who lives with me because, they said, it would drive up my insurance. He is 77 year old and has been involved in an accident at least twice in his driving career, other than that his record is clean.

John

Billings, MT

Most car insurance providers consider mature drivers, such as your dad, as high-risk drivers. The reasoning behind this, of course, would be their supposed diminishing capacity to handle vehicles on the road. This remains to be seen, though, with your dad’s case. As you said, your dad got involved in two accidents in, say, his five decades of driving. This piece of information ought to be considered by your car insurance provider. But just to be sure, I would suggest that you select a car insurance company that does not consider mature drivers as high-risk drivers. There are a few around, and you could try to access their sites online.

If your current company suggests a car insurance for high risk driver for your dad, then I think you had better look for another company that can accommodate his special need. Really, there is no arguing with your company because that is their policy. Good thing that they advise you beforehand that your rates would go up if your dad were listed under your insurance. One more thing your dad could do is to train and get a certificate for mature drivers. You could have him go back to driving school, just so he could test his driving skills again, and at the same time be certified that he can manage challenges driving on the road.