Archive for the ‘Differences in Men vs Women Drivers’ Category

Why Quotes Differ on Auto Insurance for Women & Men

May 23rd, 2010 by Auto Insurance for Women | No Comments | Filed in Auto Insurance Prices, Differences in Men vs Women Drivers

When a driver needs car insurance, they oftentimes do not realize their gender can make a big difference in the quote offered to them,. For example, auto insurance for women can cost much less than auto insurance for men does and the reason why will possibly shock you.

Many people think women are not as safe of a driving population as men are. Because women are more likely to talk on the cell phone or put on their makeup while driving, it has been said they are more easily distracted than men are. In some cases, this may be true, however, for the younger population, those under the age of 26 for both men and women; they are all just as dangerous when it comes to driving. However, it has been proven that women who have children are better and safer drivers than men are.

This is why the gender and age are taken into consideration when purchasing car insurance. Prices or quotes for auto insurance for women can vary drastically depending on her age and whether or not she has children. In some cases, it is next to impossible to garner a decent price if she does not have children. While this may seem unfair to most women, there is scientific proof to back these claims up, and the insurance companies use these facts to their advantage.

Any way you look at it, auto insurance policies are unavoidable. They will keep you safe, but if you are not careful, they can hurt you too. When you are looking for auto insurance quotes for women, be sure they give you real statistics when determining the quote price. If they give you a higher quote, make sure it is not their own discrimination determining that final price.

It’s the Car, Not the Driver

May 23rd, 2010 by Auto Insurance for Women | No Comments | Filed in Differences in Men vs Women Drivers

Many people are surprised to find that when they purchase auto insurance for women, the prices they are quoted vary from agency to agency. The only thing that remains the same is the fact that auto insurance for women generally tends to be much higher than that for men. This is not discrimination, however. Scientists and analysts have proven that women deserve higher rates for various reasons and the insurance companies try to exploit that fact when they can, although they do so legally according to certain rules.

This is why it is best to shop around when you are looking for auto insurance for women. This way, you can find various quotes from different companies and choose the price that suits your budget and your needs. The kind of car you purchase can make a difference on the premium paid.

For example, do not purchase a car that is considered a “sports car.” These generally command a higher premium because the people that drive them have a tendency to take advantage of the fact that they are sports cars and drive recklessly. In addition, do not purchase a car that has a high rate of theft attached. Certain cars are more likely to be stolen than others and these cars always cost more on insurance premiums.

Other factors include compact or very small sized cars, very large cars such as SUV’s, high performance cars, and luxury cars, such as a Lincoln Towne car and others like it. In addition to the style and model of car, you could also take into account the color. Red cars are much more prone to accidents than yellow or brown cars, for example and the color can drive premium prices as well.

When purchasing auto insurance for women, it is good to remember that it is not only the driving record that commands a higher quote, but the car you drive as well. Make sure, when you are shopping for quotes to consider all the factors so you are not surprised when the auto insurance quote for women comes back at a higher premium than others.