• Use your brain. You've heard of "brain fitness"? Software programs such as DriveSharp train drivers to react faster and cut crash risk significantly.

• Take a seat. That stereotype of the little old man or lady who can barely see over the steering wheel exists for a reason - older folks aren't seated properly in their car. As basic as it may sound, there's quite a lot that goes into correct posture, which directly affects the line of vision, the ability to react quickly when needed, or even reach the pedals. Car Fit will help you be seated properly adjusting everything from mirrors to seat belt position to make sure you've got the best possible position.

• Beware the intersection. The most fatal crashes for older drivers happen at intersections, and left-hand turns are particularly tricky. Take a passenger along to watch the way you handle them. If possible, practice negotiating difficult intersections when traffic is light, and then graduate to rush hour.

• Maintain your car. Simple, but true: A car that isn't well maintained isn't safe. Get your car serviced at the recommended intervals in your owner's manual. Always properly inflate your tires, use high-quality motor oil, and ensure that steering, transmission, and brake fluids are at appropriate levels.

• Buy right. Some cars are better for seniors than others, and we're not just talking Buicks. So when you're looking for a new or used car, look at the lists of "Best Cars for Seniors" from different automotive Web sites. Adjustable pedals, easy entry/exit, automatic headlights, and backup cameras are just a few of the senior-friendly features that make a difference. Then, take the time to go over these features and use them properly.

• Consult the experts. The National Highway Transportation Safety Administration (NHTSA) developed a comprehensive online guide, Driving Safety While Aging Gracefully featuring a wealth of information, resources, and links. The AAAF also has a tremendously useful site, SeniorDrivers.org.
  

• Go back to school. Attend a defensive driving class or a self-help class. The American Association of Retired Persons (AARP) offers classes, as do many local driving schools. Check your auto coverage for a “The Mature Driver Discount”. It's a discount for which a mature driver (age 55 or higher, varying by state) who has successfully completed a voluntary defensive driving course recognized by the applicable state's Department of Motor Vehicles or Licensing. If your insurance company doesn't offer a discount for mature drivers, it's time to shop around.

This article is sponsored by 21st Century Insurance.

Jody DeVere President & CEO

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