Did you that some insurance companies actually penalize drivers that are 55 years old and older? It's true. Regardless of a perfect driving record or history with a company, some insurance companies charge extra for senior drivers. Why? They feel that eyesight and diminished health makes the driver more apt to have an accident. Dealing with an independent agent allows you to have your rates shopped with companies that actually WANT your business and give DISCOUNTS for your good driving history and credit rating.