Over 50s have been advised to shop around when looking for their car insurance.
When the premium is calculated things such as the claims history and driving patterns of the applicant are assessed, insurance provider RIAS has said.
These factors can be very different to those of a 25-year-old driver, which is why it is important for older people to look around for deals that could save them money.
"Insurance companies individualise their core offerings by varying the features of their policies and the prices they charge for them," the company said.
Therefore is a good idea to think about the type of cover needed and to ask questions before buying the policy as a cut-price premium can mean the nature of the cover has been cut too. As a result policyholders are at risk, RIAS claims.
Over 50s should also be wary of attractive rates offered by companies which then become more expensive after time to help them make up for the initial loss of giving such a cheap policy.
There are currently around 1.5 million uninsured drivers on the UK's roads and it is thought the courts are not strict enough with penalties, as fines are often lower than half of a third party, fire and theft premium, according to Direct Line.
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