Car insurance questions for older drivers
Has your family status changed?
Changes in the structure of your household should spark an auto policy review and perhaps increase or lower premiums.
Adult children might move into and out of your home with some regularity. If such an adult child is going to drive a parent's car, he or she should be added to the parent's car insurance, increasing the premium. "An adult child living in the house and on your policy will affect the premium," Barry says.
Likewise, a child moving out of the parent's house may reduce the premium.
Divorce or death of a spouse was another auto insurance review trigger listed by Barry.
In his book "Insure Your Car for Less: A Practical Guide to Saving Money on Auto Insurance," David Goldstein wrote that being married is looked upon as a positive thing by insurers and being single is considered a neutral. That change in status can influence the premium.