Is Female Driver Car Insurance Really Cheaper?
Reader’s Question:
Why is female driver car insurance cheaper than male driver car insurance here in Louisiana?
Berniece
Baton Rouge LA
Not only in Louisiana.
You would rarely find women wondering whether or not they can save with their car insurance. The fact is there is more money that can be saved on female driver car insurance as compared to the males. Why is this so?
If a male and female of the same age, with the same car model, maker and year made, plus the same credit history and driving history both applies for the same car insurance and at the same car insurance company, the female driver always get the lower rate. However, this is mostly applicable to women between the ages 16 and 25. It is believed that young female drivers are lesser prone to car accidents but as they age, the rate of road accidents between a male and a female tends to even out. Eventually, female driver car insurance will cost more.
So what exactly makes male drivers risky to insure? Men are not always wearing seatbelts. They drive faster at higher miles. They have a tendency to drink and drive which will lead them to violating traffic laws. The reasons for such are unexplainable. Psychologists would base these behaviors on young males’ coveted desires of impressing their peers, ultimate feeling of adrenalin rush and the impression of immortality that manifests in reckless driving and higher accident rates. But whatever the rationale behind, insurance providers have known these above mentioned details as facts and have created rates accordingly.
Females, on the other hand, get cheaper female driver car insurance because they are perceived by insurance providers as less aggressive and less likely to get involved in car accidents. They drive safer vehicles – especially among mothers who are safety-conscious when it comes to transporting their children. There may have been a few fallacies about women while driving such as constantly using the cellular phone while on the road or using mascara while driving behind the wheels. Whatever misleading notion there is, females get cheaper car insurance than males. And that is a fact.
Auto Insurance Rate Comparison in Delaware
Reader’s Question:
I want to be able to make auto insurance rate comparisons easily, is there a way that I can do that other than having to speak with a broker here in Delaware?
Cho
Wilmington, DE
Definitely, there is no reason why you can’t make auto insurance comparisons of your own. Whereas before, this would have meant staying on the phone for hours on end to try and reach an agent to talk to directly for every car insurance company on the phone book, now all you will really need is an Internet connection.
There are many auto insurance portals like this website that allows you access to a wealth of information regarding insurance quotes and will allow you to do auto insurance rate comparison easily and in the convenience of wherever your computer is.
Technology has made it easy for carriers to sell directly to consumers and these websites can give you the same information as any agent or broker there in Delaware can. More and more people are seeing the benefit of transacting online since you are able to do more, information is accurate and timely, and some providers even allow you to submit an auto insurance application directly.
The best way to take advantage of this technology is to shop around so get about five different quotes from different auto insurance companies to compare. You can also look for customer ratings and testimonials Online about certain carries that an agent or broker might have otherwise not know or might opt not to tell you. With a little bit of effort in your part, you will find the best rate fitting your needs in no time.
Tip to getting a lower rate? Raise your deductible amount to the highest level you feel comfortable with. A $1,000 deductible could save you a lot of money in the long run if you are a good driver. You only pay the deductible amount if you have a claim and the claim is paid by your insurance company.
Want To Change Your Car Insurance Company in New York?
Reader’s Question:
Hi there. I changed my car insurance company here in Queens New York yesterday and I would like to know if I need to inform the DMV about it or my insurer will take care of it?
Bert
Queens, NY
Your previous insurer will report to the New York State Department of Motor Vehicles (DMV) regarding the cancellation of your previous car insurance policy and your new car insurance company will let the NYS DMV know of the new issuance of policy to you. You basically do not need to do anything if the insurance company did what they are required to in NYS.
According to the NYS Department of Motor Vehicle your car insurance carrier must inform the DMV if you terminate or cancel your liability insurance. Your car insurance company in Queens New York is also required to inform the DMV if your policy has been reinstated or if you get new car insurance coverage. The DMV will send you notification if your new insurer does not file your new policy.
If you receive a letter from the DMV just follow the instructions in the letter. Normally you will be given ten days from the date of the DMV letter to prove that you have car insurance policy. If have insurance policy just ask your car insurance company to file an electronic notice of insurance coverage with the DMV.
If you want to make sure your car insurance company sent in electronically your new policy and that there was not a lapse between your old policy and new policy then you can contact the NYS DMV and verify with them. They will give you information if they have your updated auto insurance information and if their records show no lapse on the coverage.
What Causes My Car Insurance Rate Quote To Increase Or Decrease?
Reader’s Question:
My brother in law is selling his sedan and I was wondering what can cause an insurance quote to go high or low.
Barbara
Boston, MA
Actually, car insurance quote from every insurance company will be different even if you supply each of them the same information. So it should be good for you if you acquire car insurance quote from different companies and compare them.
But regarding your question, car insurance company determines their quotes by these factors:
1. Age – young or very old drivers will receive a higher car insurance quote.
2. Gender – Yes! Gender is another factor. Female have the advantage and it will cost less if they are the one trying to insure a vehicle.
3. Place where you live – it will depend whether you live in a rural or urban area. If you live in an area with a high crime rate, insuring cost for a vehicle will increase also.
4. Vehicle – most car insurance company rates cars by safety, ease of maintenance or cost of spare parts, the once which are cheaper to maintain or safer to drive will show a cheaper car insurance quote.
5. Credit History – Most car insurance company nowadays do check peoples credit history. If you have bad one, your chance of a low insurance quote is thin.
6. Driving History – this will greatly affect your quote. If you have a history of car accidents or even minor traffic violation, insurance quote will likely to increase.
19 Year Old Teen Car Insurance – Needing Cheaper Rates
Reader’s Question:
I kind of need a drastic drop on my car insurance rates here in North Carolina. Since I am only 19 years old, could you tell me ways on how to achieve that?
Nick
Raleigh, NC
In North Carolina, teen car insurance is typically double the rates of a motorist who is above the age of 25. This is not something positive in case you are in the market for teen car insurance. I could not guarantee that there would be a drastic drop on your North Carolina car insurance rates but the following things could aid in saving a lot:
–As much as you can, lessen the amount of time that you use your vehicle. The more you spend time on the road, the higher risk you become to your car insurance company. If you are a high risk to them, this means that you pay more for your car insurance.
–Strive harder to maintain a certain average in school as this would help you lessen your premiums.
–Make sure that your vehicle has anti-lock brakes, alarm and other safety devices and tell your car insurance company and agent about this. These devices would make your car safer so you will be considered as low risks by car insurance companies.
–Attend and complete a defensive driving course because this would surely cut down your car insurance premiums if you take up classes recognized by your car insurance company.
–Choose to pay as high deductibles as you can so that your premiums would be less.
–You would obtain the cheapest teen car insurance in North Carolina if you shop around and make a thorough auto insurance quotes comparison.
Cheap Car Insurance Prices – Does Anything Else Matter?
Reader’s Question:
Hi, do I really have to have car insurance? If so, is it safe to focus on just car insurance price alone and never bother on the policy or coverage that is included? Thanks!
Denise
Austin, TX
Almost everyone have their own experience when it comes to purchasing their first car insurance. Some of them went well but you can say that the majority didn’t work out the way they thought. Although car insurance can be a painstaking process, you still have to acquire one. It is mandated by law as long as you’re in a US territory. You can’t honestly say that you don’t need one because you’re a good driver; you need one because some drivers around you are reckless and irresponsible.
But when looking for a car insurance company, you should not always focus on car insurance price alone. You need to consider the auto insurance policy that is included. Another thing to consider in a car insurance company is the quality of service it can provide. It’s always relaxing to know that every day you drive out your car from the garage; there is a sense of security knowing you have a good car insurance company that will protect you financially.
Sometimes, paying a bit more is a better idea. But if you want to have a good quality policy at an affordable premium, you better gather three or more car insurance quotes. First, study the policy or coverage you might need and ask for a quotation from three or more different car insurance company. That way, you can decide which one will be offering the cheapest and you can be sure that you have a good coverage.
Cheapest Car Insurance For Senior Citizens
Reader’s Question:
My father is shopping for the cheapest car insurance in Rhode Island for senior citizens. Do you have any tips I can share with him?
Andre
Providence, RI
Normally, senior citizens are at a disadvantage when shopping for cheap car insurance. The top car insurance companies are known to be unkind to senior citizens because they charge them with high car insurance rates. These companies cannot be blamed though, because senior citizens have health conditions that make them prone to road accidents like vehicular collisions. For instance, senior citizens suffer from poor eyesight and slower reflexes. Thus they can really get into serious trouble when driving.
But this does not discourage your father in looking for car insurance for senior citizens. To offset his weaknesses in health, your father should highlight his strengths such as his good driving history, impressive credit rating, and the safety of his car.
Your father should show a good and long driving history. If he has not been apprehended for traffic violations for a good amount of time, he can qualify for discounts from any car insurance company. He can also qualify for discounts on car insurance for senior citizens if he has an impressive credit rating, because it proves he can pay his car insurance premiums on time. You should also tell your dad to put security features on his vehicle like a good brake system since it lessens his chances of being involved in road accidents.
Cheap Minimum Liability Auto Insurance In Missouri
Reader’s Question:
What is the required minimum coverage of a liability auto insurance policy in Missouri?
Ken
Kansas City, MO
The state of Missouri requires its drivers to possess proof of financial obligation or insurance. If you carry auto insurance in Missouri, you need to ensure that you carry liability policy and the uninsured motorist policy, which is required to all drivers.Liability policy offers payments to the damages and injuries incurred by the victim where the insured is at-fault. The state of Missouri required the MO drivers a minimum liability policy of 25/50/10. The car insurance company will give a sum of $25,000 because of the injuries incurred by a single occupant while $50,000 will be paid as the combined medical expenses of multiple occupants. If the accident resulted to property damage, the car insurance company will pay $10,000. Note that these amounts are the minimum amount required by the MO state. There are cases when the cost of repair of vehicles and medical expenses are higher.
It is strongly advised to purchase liability insurance that is higher than the minimum requirement of the MO states.
Not all states have a law requiring drivers to have liability insurance. Thus, uninsured motorist coverage is required by the law in auto insurance in Missouri. With this coverage, the victim will receive medical assistance from the auto insurance company of the insured, who is at-fault.
Collision and comprehensive coverage is an additional car insurance coverage that is not required by the state’s law in auto insurance in Missouri. However, this additional coverage is recommended because it can help the insured pay the cost of repairing the car of the insured.
If you are looking for cheap auto insurance in Missouri, one of the things that you need to consider is model of your car. If you want to buy a new model of expensive car or an SUV, you should be aware that this will be charged with high car insurance premium because of the risks it carries. Buy a cheap car of stick with your old car if you have one. If you have an old car, you don’t need to buy collision and comprehensive coverage. Otherwise, you will pay an amount higher than the worth of your car. Lastly, consider safety features installed in your car. Having these can give you discounts.
Where To Get Antique Car Insurance
Reader’s Question:
How and where can I purchase antique car insurance? I live in Vermont.
Gail
Rutland, VT
Hello there, Gail.
In most states. an automobile is considered antique if it is over thirty years old. Maybe most vehicles are meant to have a life of about 10-15 years. Once the vehicle reaches the thirty year mark, it is considered antique.
antique vehicles are not very often driven and it can be very impractical to insure an antique vehicle with traditional auto insurance. Although getting insurance for the antique car is very much like insuring a normal car, you might find it difficult to obtain a antique car insurance in Vermont.
You can try getting it online and as soon as you find one the chosen car insurance company will usually try to know your vehicle’s value by hiring an appraiser to check your car. Usually insurers use the blue book value. Evaluating your antique car’s value is essential to be determined before you are given car insurance policy by any insurer. Antique car insurance may come in three types:
1. stated value insurance,
2. agreed value insurance, or
3. cash value insurance.
I suggest you shop around for antique car insurance in Vermont before purchasing to get the best deal.
What Are California Car Insurance Requirements?
Reader’s Question:
What are the California car insurance requirements?
Lily
Berkeley, CA
With the growing population in California, drivers in the state also increase. Thus, the state’s law requires every driver to carry liability insurance. With liability insurance, injuries and damage incurred by the driver will be paid by the car insurance company of the at-fault driver. The minimum level of liability insurance is 15/30/5. The sum that the car insurance company will pay is $15,000 if the accident involves only one occupant. If there is more than one occupant, the combined expenses are $30,000 while the payment for damaged property is $5,000.
Where the person whose vehicle was hit by the insured will be paid, the at-fault driver on the other hand is responsible for the cost of repair of his/her own vehicle. Collision and comprehensive coverage offers to pay this cost like the necessary repairs of the car in the case of circumstances beyond the control of the driver like being struck by a deer. PIP or Personal Injury Protection offers payments for medical expenses incurred by the at-fault driver and his/her passenger. The state of California however does not require this coverage. However, some car insurance companies still offer this as an optional coverage to drivers.
Another type of optional insurance coverage is the uninsured/underinsured motorist coverage. This coverage pays the cost of car repairs and medical expenses of the insured. This is coverage can be helpful in the case of hit and run or when the at-fault driver who has insufficient car insurance coverage to pay all the costs of damage and medical expenses. Although uninsured/underinsured motorist coverage is not required by the state of California, this is still strongly recommended. Furthermore, the level of liability insurance is recommended to be higher than the minimum amount required by the state.
If you want to save from high California car insurance rate, make sure that you have safety features installed in your car and you don’t have expensive car or SUVs. Don’t forget to shop for car insurance rates from different car insurance provider.
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