Auto Insurance For Women
Reader’s Question:
I know I totaled my car a few years ago, and that’s why my auto insurance premium was higher compared to others. Then this jerk at the office said that women are more prone to auto-accidents, and that we ought to pay a higher auto insurance premium. Are we really more prone to accidents than men?
Milly
Richmond, Virginia
In the old days, the usual driver of any vehicle was a man. It was rare for women to be behind the wheel. Thus, there’s a lot more attention on a lady driver when she gets into accidents rather than men. It’s just numbers: because so many men were driving in the old days, no one was surprised when they got into an accident. When the rare lady driver gets into an accident, it’s immediately highlighted that the driver is female. That’s where the bias all started in the first place.
That was decades ago. Sure, some auto-insurance companies factor in gender when computing the premium you’re going to pay. But generally speaking, women nowadays aren’t more prone to accidents than men. In fact, younger men are more prone to accidents than younger women. If anything, it’s the younger men who pay a higher premium than younger women. As they age, however, the statistics smooth out until both genders have more or less the same accident rating.
You can slap this little tidbit of information in the face of your co-worker. That’ll teach him a lesson or two. Who knows? Maybe his manly, macho ego will get deflated a little.
What Is An Auto Insurance Deductible?
Reader’s Question:
I have no idea what a deductible is in car insurance. What is a deductible?
Myers
Chicago IL
Prudent insurance buyers would always find a strategy to decrease their car insurance prices. Over time, people have found tactics on how to do this. One of which is by stretching deductibles. So what is a deductible?
Insurance deductible is the money that you would have shell out for the damages incurred by your car during an accident. It is also a portion of the total estimate for car replacement that you would have to shoulder. This will become your personal expenditure. It might not sound approving on your part to compensate for something that you were anticipating to be covered. However, this is what they consider a necessary evil in order to extract savings from your car insurence expense.
Most car insurance companies provide range of insurance deductible for you to avail. They amount to $100-$1,000. The most customary value chosen is $500 dollars. The most optimal value for the highest deductible is $1,000. However, you can transcend to a higher deductible if your budget permits you to do so.
You really have to think in choosing what range of deductible you will be availing. This is to ensure that by the time you have to make claims; you will not end up having to pay for entire cost of damage.
Choosing the amount for your deductible should also be a balance. It can also help if you know yourself well as a driver and if you know your finances well. As they say, if you have had history of accidents, then it might not be smart to increase your insurance deductible. However, if you are so sure that you can go on years without accidents, and if you are sure, you are a better driver, why not go for the highest insurance deductible. You should also be sure to have the deductible amount set aside at all times.
Auto Insurance Rate In Maine
Reader’s Question:
I would like to know if my auto insurance rate in Maine will go up if I get a warning from a police officer.
John
Portland, ME
Well, John Auto insurance rates do not typically increase when you receive a warning than getting a traffic or moving ticket from a law enforcement officer. If it was just a verbal warning then most likely it will not be placed on your motor vehicle record thus it will not affect your auto insurance rate in Maine.
In most states, there is no need for court appearance or a fine if it is just a written warning. There will just be a note or a reminder on your file regarding your driving.
Generally auto insurance providers do not look at verbal or written warnings. Usually only those traffic violations that you were cited for of have been convicted of will affect your auto insurance rate in Maine.
If you are starting an insurance policy, warnings on your speeding may be looked at by the insurance company as this reflect your driving habit. I suggest that you check with your local DMV office to know if warnings are placed on your driving record.
Cheap Dallas Auto Insurance
Reader’s Question:
What are the things that greatly influence my Dallas auto insurance? Could you also give me some tips on what to do when looking for auto insurance? I need something cheap!
Manuel
Dallas, TX
The cost of your Dallas auto insurance is determined by the actions of the motorists in Dallas as a whole. Dallas auto insurance providers could take the whole price of insuring all motorists and split it up among all of them. But using this manner would make the price not spread out evenly. The cost you pay for your Dallas auto insurance is based on things like your driving record, the area where you reside, your age and the kind of vehicle that you drive.
When looking for your Dallas auto insurance, it’s a smart move to compare different insurance companies prior to arriving to a decision. You also have to understand what you are purchasing so ask for any information about something that confuses you. Don’t ever agree to high pressure strategies by Dallas auto insurance agent. Regardless of the amount of coverage you opt to buy, it may be helpful for you to purchase as much Dallas auto insurance as you could to provide protection for you and your family from financial responsibility if you are not appropriately covered. So before getting behind the wheel of your vehicle, you have to make sure that you have the necessary Dallas auto insurance. You could compare Dallas auto insurance quotes online from at least three various insurance companies to look for the best offer.
Auto Insurance Requirements
Reader’s Question:
For a new driver like me who needs to get auto insurance here in Kansas, what are the important things that I need to know about my getting coverage?
Brent
Wichita, KS
There are some important things that you have to understand and remember before you get your auto insurance in Kansas. The very first thing is that in the event of an accident, the medical expenses of each driver would be covered by their auto insurance policy no matter who was at fault since Kansas is a no-fault state. You also need to know the state’s minimum coverage which is $25,000 for one person and $50,000 for all persons for bodily injury in a single accident and $10,000 for property damage liability.
Aside from the required auto liability coverage, you are also required to get at least $4,500 for Personal Injury Protection (PIP) in Kansas. This coverage would help pay for the needed medical fees for you as well as your passengers. Another required coverage on your auto insurance would be the uninsured and underinsured motorist coverage. You have to carry at least $25,000 for one person and $50,000 per accident for bodily injury incurred by a driver who doesn’t carry auto insurance or who doesn’t carry enough coverage.
Remember that these types of coverage are just the minimum requirements in the state of Kansas and you have the option to get more than the required coverage for your auto insurance. This is to make sure that everyone in your household is well protected in case you get involved in an accident.
Good Student Car Insurance Discounts
Reader’s Question:
I have been hearing a lot about good student car insurance. First of all, what qualifies for a “good student?” How much can be can be discounted off the actual price?
Brennan
Canton, MI
It’s a good thing you asked this question about good student car insurance for you just might qualify for discounted rates. Are you getting good grades in school? Are you able to maintain an average of not lower than ‘B’? If your answer is yes, then you should be able to enjoy such good-student benefits. You can ask your auto insurance provider about it.
Most insurance companies do give incentives on students who maintain a high GPA of 3.0 or an average not lower than ‘B’. Students with high scholastic records could easily slash as much as 10 to 25 percent off their premiums. The higher your grades, the higher your chance of getting discounted rates. How about age? Usually, those who are 21 to 25 years old can enjoy these benefits.
You may wonder what logic works behind such companies’ giving this somewhat “too good to be true discount rates,” considering they are the ones who think teens this age are high-risk, in the first place. Teenagers are summarily considered risk-takers, so what could possibly cause them to change their minds and offer low rates and discounts who do well in school? Well, for every rule, there are exceptions. Teens or young drivers who behave at school and get good grades form one such exemption. The very reason for low rates for teenagers who get good marks in school is the fact that statistically, they prove to be better drivers than their common peers. They prove to be safer drivers, and are deemed more likely to obey traffic rules.
Auto Insurance Quotes in Colorado
Reader’s Question:
I don’t really look forward to shopping around for auto insurance because I feel like it’s just a waste of time. Could you tell me the importance of looking around for auto insurance quotes here in Colorado?
Nico
Northeast Jefferson, CO
Shopping around for auto insurance quotes is probably the most boring thing to do for you to be able to just drive legally on the road. However, this is the most effective way for you to get competitive auto insurance quotes that you can compare. This way, you are almost assured that you get the best auto insurance coverage in Colorado that fits your budget. Since it is not very pleasing to obtain auto insurance quotes from many insurers, a lot of drivers spend far more than they should every year on their auto insurance premiums. Many drivers don’t take an extra time to compare auto insurance premiums and coverage from different auto insurance companies.
The good news about the boring task of shopping around for car insurance is that you don’t have to do it the old-fashioned way. You don’t have to call every auto insurance company that you come across with on the Yellow Pages. The Internet would be the most convenient way to shop and compare auto insurance quotes. To make it even easier for you, it would be wise to have all the information ready with you when you go online, such as your vehicle identification number, driver’s license, etc. Also, you can simply go to a comparison quotes site wherein you just have to enter your details once and you can come up with different auto insurance quotes from different insurers.
What Do I Have To Do To Get Low Cost Auto Insurance?
Reader’s Question:
How can you get low cost auto insurance in your policy?
Jean
Chicago IL
There are various ways to get cheap car insurance. Read on.
1. Shop around for auto insurance quote. Insurers change their rates all the time and rates vary from one company to the other. Make sure you always shop around to see which company offer the best rates.
2. Choose efficient vehicle.
3. Maintain a good driving record.
4. Keep your policy active. Avoid having lapse in your policy.
5. It is advisable that before you buy a car, check the insurance cost first
6. Drop collision and comprehensive if you have an older vehicle.
7. You can get discount if you purchase more than one insurances from the same company.
8. Make sure that you keep a good credit rating. Auto insurance companies check your credit record when determining car insurance rates.
9. If you drive less, you may be eligible for low mileage discount.
10. Choose the highest deductible that you can afford.
Teen Car Insurance In Houston
Reader’s Question:
I’m 15 years old and obviously a minor. What is the minimum age requirement to drive an automobile and have car insurance in Houston? Are there necessary documents I need to complete to have a license?
Marie
Houston, TX
The minimum age requirement to attend a driver education in Houston is at age 14 while you should be at the age of 15 when you enroll in the in-car stage of driver education. Other schools in Texas require older students to enroll. On the other hand, the instruction permit is only given to students at the age of 15 years old and up.
Students also need to comply with the six instructional hours which is the minimum period to complete Module one of the driver’s education program. Teens are required to pass the written examination and other licensing requirements stated by Texas Department of Public safety before they can even apply for car insurance in Houston.
The minimum age requirement to drive a car in Houston is 15 years old. Any exceptions are not granted. A 15 year old teen is allowed to operate an automobile given that an older adult (21 years old and up) with a valid license is seated in front beside the teen. Thus, car insurance in Houston can only be started when a minor is granted permit to drive his or her own car.
Need Cheap Teen Car Insurance: How To Get It?
Reader’s Question:
I am a mother of two teen drivers. I am about to get their auto insurance and I’m quite afraid because I know that teen auto insurance are very expensive. What can I do about this?
Maria
Idaho Falls, ID
Hello there Maria. I am a mother of teen drivers too and I exactly understand where you are coming from. But don’t worry that much, you can get low cost teen car insurance and here’s how you can get one:
First, think very carefully about the vehicle you are about to buy for your teen drivers. Remember this rule – the more expensive it would take for insurers to repair and/or replace a certain car the higher your auto insurance rates will be. So for your teen drivers it would be logical to get low valued vehicles for now.
Second, encourage your teen drivers to study more in school. A GPA of 2.0 or B or higher could qualify them for insurance discounts that could give them better teen car insurance rates.
Third, teach your teens the importance of driving their cars less than often. If they have low annual mileage they could get cheaper car insurance rates.
Fourth, enroll them in a defensive driving class. Car insurance companies will also give them lower insurance rates if they have finished a driver’s education course.
Lastly, shop and compare car insurance quotes. One great avenue in finding car insurance quotes would be to use the Internet. Just make sure to get multiple insurance quotes then carefully compare them. You can compare the price, coverages, and the insurance provider’s rating.
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