As a driver, you’re likely entitled to some savings opportunities. Most people qualify for discounts on car insurance for one or more reasons. If you are a driver with some disabilities, that can prove to be very valuable. Auto insurance companies may help you to find a policy that provides ample protection for your vehicle. Here’s what you need to know.
Know Your Rights Under the Law
The Americans with Disabilities Act makes it illegal for any auto insurance company to charge you more money for coverage based on your disability (mental health or physical health).
However, the cost of auto insurance focuses specifically on the value of your car and the risks you present. Many people with disabilities therefore believe that their abilities contribute to a higher risk, and a higher premium rate than what others would pay. How can you change that?
What Are You Paying For?
There are key reasons insurance companies charge some drivers more than others. For example, if you are a driver with a long list of accidents or you have moving violations on your record, that’s going to increase your costs. If your disability causes you to have accidents, then you might pay more because the accident occurred. However, if you’ve never had an accident, then even with a disability you will likely see no difference in your rates.
Also, the value of your vehicle plays a role in this. If the vehicle is worth more, it usually costs more to insure. This is a common factor for drivers with disabilities because of the equipment on board to help them to drive or navigate. That can raise the cost of your coverage.
How Can You Save Money?
There are ways to reduce costs overall. Do the same as any other driver.
- Always compare policies across several insurance companies. Some just offer better rates to drivers than others.
- Look into reimbursement or warranty programs that can help to cover the costs of your specialty equipment. Many of the largest car manufacturers offer these reimbursement opportunities.
- Work to improve your driving record when possible. Take an educational course approved by the insurer to try to reduce your costs.
- If you don’t drive frequently, you may qualify for a low-mileage discount.
- Ask the auto insurance agent about discounts available to you for having anti-theft devices on your vehicle.
As a disabled driver, auto insurance can seem expensive. Yet, it’s important to choose a car insurance provider that’s charging you based on the value of your car. If you don’t feel that’s accurate, be sure to contact them for an explanation of your benefits and a comparison to other drivers. If you feel that you are being discriminated against for your disability, then you also will have resources available to report the insurer for fraud.
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