Car Cheap Insurance For Women

Reader’s Question:

In my opinion, female drivers are not better drivers than males. But why are auto insurance rates for them cheaper than male’s rates?

John

Chicago IL

There are nice reasons and one of them is female file less claims than males. Figures shows that a male is more likely to file a claim and if a female driver files a claim, it is more likely to be a small amount compared to males.

Most females also want smaller vehicles which are inexpensive and low maintenance. Safety is also their first concern when buying a car compared to males who only want faster and bigger cars. Some males even modify their vehicle which makes it less safe. Cheaper car insurence rates are also offered to female drivers because they drive less and this makes them less prone to auto accidents. In most cases, male drivers drive longer distances than female, and if a female is going on a long trip, most females will look for a male driver to do the driving for them. Another reason is, female drivers tend to drive slowly and are more cautious or careful when it comes to getting in or out of parking spaces.

But what if all these advantages don’t make you content because you think your premiums is still not that reasonable? What should you do to make it even lower? The answer is to look for discounts you can be eligible for and take advantage of them.

For example, if you haven’t signed up in a defensive driving class, you’re missing a rough 5 to 15 percent discount. You can also reject different coverage so you can be sure your premiums will be reasonable. For example, remove the comprehensive and collision coverage if you believe your auto market value is smaller than your premium. You can also remove medical coverage if you think you have this coverage covered by your health insurance. Removing unwanted coverage can greatly lower your car insurance premium. You can try taking away rental and towing coverage and see how much you can save.

Cheap Student Car Insurance Quotes

Reader’s Question:

I think its unfair for insurance companies to charge students with high car insurance rates. Is it even possible to get cheaper insurance quotes without being added to my parents policy?

Anna

Salt Lake City UT

 

Insurance rates differ according to some factors like the motorist’s age, gender, driving record and address. It is also with these factors that insurers rate students with a certain premium amount, usually an expensive one.

Students can expect to pay high student car insurance premium if they drive a high end car. But a male student driving a high end car can expect to pay a higher amount. It is because driving a high end car is a risk to insurers since they are too costly to repair and above all, they have high cost of claims when stolen or burglarized. Young male drivers are also considered by most insurers as a high risk since they are more frequent in using their cars than the females thus they are prone to be involved in fatal accidents. Based on their statistics, it has been proven already by insurers that young people have risky driving habits so it would be better for them to be charged with expensive insurance premiums.

There are still possible ways for those students who are still hopeful of paying less for their car insurance. The first thing that they can do is to shop around for cheap student car insurance quotes and compare them. They can actually obtain quotes the easiest way by going online. In the Internet, students can check for several insurance companies who are offering special rates for students provided that they follow the insurer’s conditions. Most insurance companies require students to get a grade point average of at least B or above. For some insurers, average students are responsible drivers and they should be given insurance discounts for being such a good student.

Car Insurance For Female Drivers – Is It Cheaper Than Male Drivers?

Reader’s Question:

Hello! Is it true that being a female driver has an advantage when it comes to car insurance? Can you give me some advice to make my car insurance lower, I am planning to buy a car, Thanks!

Amanda

El Paso, TX

Yes it’s true! Although there is no scientific proof that female drivers are excellent drivers than male, females almost always acquire cheaper quotes compared to male drivers. A simple reason behind this is female drivers tend to get into minor accidents only compared to males. Another logical reason why car insurance quotes for female drivers is low is because records shows that female drivers make less car insurance claims than males.

If you’re a female driver who is still looking forward to cheaper car insurance, you can start by reviewing your driving history. A bad driving history can lead to higher rates regardless of your gender. A minor traffic offense can be considered as a bad driving and it will make your insurance premiums higher. If you think you have bad driving record, start driving cautiously and you might get your insurance premiums to lower gradually.

Sometimes, having a good driving record can get discarded in determining your risk rating if you are trying to insure an expensive car such as a sports car. No matter how good you drive, the cost of repair and part of these type of vehicles are costly hence there is no way to have a premium that cheap. Consider also a vehicle which is not on the list of car thieves, records shows that the Honda civic and the Acura Integra are most stolen in the US so you might want to skip those when buying a new one.

What Determines the Average Auto Insurance Cost?

Reader’s Question:

I’m considering changing my car insurer. I just feel I’m not getting my money’s worth from my previous company. Can you tell me what the average auto insurance cost is nowadays? That way, I’ll know if I’m being billed right.

Bono

Gulfport, MS

According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance as of 2007 is $867 and is seen to increase in 2008. A lot of factors affect the cost of auto insurance, like your age, gender, make and model of your car and even the state where you live. Typically, young drivers are charged with the highest auto insurance premiums. Due to inexperience and high rate of accidents, this age group is considered as high-risk by most insurance companies.

Males also pay higher insurance costs than females because of statistics showing females as being less aggressive on the road. Males who are married, though, would be billed lower than their single counterparts.

Which state you’re in also determines the cost of your auto insurance. Keep in mind that smaller towns with less traffic rates lower than in cities where there would be higher chances of accidents. So, while the figure above may give you an idea of how much you should be paying, it should not be your only guide to determine how much your auto insurance should bill you. Prepare yourself for a number of questions which would affect the auto insurance cost you’ll be paying.