Entries Tagged 'Auto Quotes' ↓

Women Auto insurance quotes, why are they cheaper?

Women driving has been a source of jokes and ridicule since cars have been around. They have been considered incapable, unsuited, and downright rubbish at driving. This is somewhat ironic because nowadays insurance companies will provide cheaper insurance to women than to men. This is an important factor when trying to assess the driving skills of women. The fact that car insurance companies offer cheaper premiums to women is not something that can simply be brushed under the rug of stereotypical profiling. It is hard evidence that the premise that women are involved in fewer accidents. Car insurance risk assessors are as practical a race of people as you can get. And if their analysis of statistical data tells them it is cheaper to insure women than men, you can rest assured that there is something to the whole notion.

So we have answered our first question. Women’s auto insurance quotes are cheaper because insurance companies have discovered they spend less on women’s insurance coverage than men’s.

The corollary question is why do women have less accidents and cause less damage when driving?

- One answer is that there is less women driving than men. The argument goes on to suggest that be because there are so many more men the lower levels of accidents among womens is a statistical glitch. This argument although rather weak is backed by the fact that as more and more women are driving the gap in insurance cost between men and women is narrowing.

- Another reason put forward is that women’s attitude towards driving is different for men and women. More men consider driving a sport, a hobby. More men enjoy speeding and engaging in dangerous activities. Women are generally more cautious, careful that how they drive does not put them or others in danger. This argument is backed by the ratio of men and women that engage in dangerous sports. The case for this explanation is also strengthened by the fact that women brake traffic laws less frequently and get much less speeding tickets. These facts by themselves go a long way in explaining the risk men pose in contrast to women.

Whatever the reason is, the fact remains that it is cheaper for women to get  car insurance, that women get cheaper auto insurance quotes than men. Women, you should take advantage of this. Men, we need to improve our driving methods and live our speed stunts to the track.

How can women capitalize on their already cheaper car insurance quotes?

Ask for auto quotes to as many car insurance companies as possible, five at the very least. Take on advanced driving courses, buy car insurance friendly cars and detail your driving habits, this can often lower your premiums further

Shop around, don’t take the first auto quote you are given. Use your women power to get cheaper auto quotes, use your brains to further lower your auto quotes.

Young drivers and Teenagers auto insurance quote services.

Our world is full of “givens”. What is a “given”? It is a given that you can’t drive a car without a license. It is a given that red is stop or green is blue, or that bigger is better and you have to pay crazy high auto insurance if you are a teenager. However “givens” don’t always work. It was a given that nobody could reach India crossing the Atlantic, but it was an erroneous given, eventually. Having a set of conventions for what is acceptable, possible or even desirable is useful for most cases in life. However now and again it is worth thinking outside the box and challenging the “givens” the world set out for us.

One of these “givens” that we are talking about is found in the auto insurance, teenagers pay high auto insurance. The reason for this is that teenagers have more accidents, and the accidents they have are more expensive to cover than that of the general pool of drivers. Insurance company take a lot of trouble collecting data and statistics on the correlation between all kinds of variables and the expense of providing coverage. These exercises in statistics unveiled some time ago that women posed less of a risk than men and therefore were offered cheaper insurance by many insurance companies. Similar studies showed that teenagers were a higher risk than their older counterparts.

The principle behind higher premium rates for teenagers is that because they are a higher risk and more resources are spent on providing them with insurance coverage it is only right that they pay higher premiums. This article will provide advice on how to find auto quotes with cheaper premiums.

However this argument has been taken to the extreme by many companies making it virtually impossible for teenagers to get insurance. This is often due to the reckless driving of a minority of drivers. Thankfully there is a way out for teenager drivers. It is pretty much certain they will have to pay higher rates of insurance but there is no need for these rates to be prohibitive. What can teenage drivers do to curve the outrageous rates many of them have to pay? Ask for quotes based on an improved risk assessment.

A combination of Government and personal measures have and can be made to reduce the risk posed by teenagers and therefore also reduce the price of their premiums.

- In some states curfews have been set up for teenage drivers to curve the higher rate of accidents involving teenagers late at night and in the early hours of the morning.

- Parents can invest in their children’s safety by installing cameras in the vehicle and GPS locators to provide supervision to their underage children. These measures are designed to modify the behaviour of teenagers when they realize they are accountable for their actions and that someone IS watching.

- Special driving courses to increase the driving skill of teenagers can also help car insurance companies to lower their risk assessment of teenagers that are willing to undergo special training.

These and other measures can help teenagers and their families to lower their car insurance premiums.