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New York is a hectic state and insurance is a hectic industry, making finding auto insurance in New York City, NY a tricky business. Just what are the driving rules for senior citizens in New York state and New York City?
We understand that finding the right senior citizens car insurance company in New York can be a bit of a hassle. This is why we will answer the aforementioned question step-by-step so you can find the best way to save as much money as possible.
Get a good start by typing your ZIP code into our helpful tool above to find New York state senior citizen drivers’ insurance rates near you.
Table of Contents
In terms of auto insurance in New York state, new rules for older drivers are the same as they are for other age demographics. This would likely be seen as age discrimination. With that being said, older drivers typically tend to spend less on insurance than other age demographics.
In fact, seniors can pay as little as $1,449 annually.
This is the nationwide average, not specific to New York, but is just over half as much as some other age demographics pay.
This is partially due to the fact that most insurance providers offer discounts to drivers over the age of 55. You can learn more at this link about insurance for different driver types.
The Real ID is a significant upcoming change. It was initially going to be required to board domestic flighst and enter certain government buildings beginning in October 2020, but it has since been delayed to October 2021 due to the Coronavirus.
That is not to indicate that the Real ID is seen as any less pertinent. Let’s take a look at a video explaining why you may need the Real ID as opposed to other forms of identification.
It is important for seniors, or New York residents of any age, to know all the forms of documentation they’ll need to obtain the Real ID.
No matter what ID you have, you’ll most likely need full coverage to drive in New York. Here are the average rates for full coverage in New York for the past five years.
|Coverage Years||Average Annual Full Coverage Rates|
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According to New York’s Department of Motor Vehicles, seniors can contact a hospital, clinic, or commercial driving school to schedule an evaluation with a driver rehabilitation specialist. They will provide a behind-the-wheel evaluation of the older driver.
Seniors do not have to worry about this assessment being a means of removal of driving privileges. If anything. it is an opportunity for them to make positive adjustments to their driving.
While there is no age-specific rule in terms of renewing a license in New York, drivers are required to renew every two years.
There are a few ways to do this. You can go to the DMV’s website online and click on “Renew License or ID,” request to do so by mail, or complete the application for a drivers license or non-driver ID Card in person at the DMV office.
It is of note that a New York driver must produce proof of adequate vision at each and every renewal. While this is not limited to seniors, it may prove to be a hiccup in their renewal process.
This proof of adequate vision must be completed by one of the following: a physician, a physician’s assistant, an ophthalmologist, an optometrist, an opticiant, a registered nurse, or a nurse professional.
The DMV is allowed to place restrictions or conditions on any New York driver’s license after a driving test and discussion with the driver.
These restrictions are most frequently imposed upon older drivers and come in the forms of telescopic lenses, hearing aids, no driving on highways with off-ramps and on-ramps, and daylight only driving.
The DMV can also require the driver to add special equipment to their vehicle such as full-view mirrors, gas pedal extensions, and complete hand controls.
Ready to buy senior citizens car insurance in New York? Find affordable car insurance for experienced drivers by typing your ZIP code into our helpful tool below. Senior citizens’ car insurance rates in New York don’t have to cost a fortune.
We hope you have all the answers to finding affordable senior citizens car insurance in New York, but just in case, take a look at some common questions below.
You can visit 311 online or call 1-212-639-9675.
There is no age limit at which point the New York DMV will automatically revoke one’s license.
There is no set age. If you feel a family member has become unsafe behind the wheel, discuss the matter with them.
There is no such thing as a “senior license”. You would apply for a license just as you would were you in any other age demographic.
If you need to verify whether or not your license is active, login to MyDMV to see the current class and status of your driving privilege.
If your license has expired within the last two years, you can renew it through the DMV without paying a penalty or additional fee.
You can continue to drive through any age. The only reason you would lose your license is by driving recklessly or having other issues on the road.
Police are not supposed to stop drivers of any age for anything other than driving infractions.
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