Mya : Is it true that men are terrible drivers and they are rated higher for auto insurance?

Response : Mya -you have hit the nail on the head. It is  Official that Men Are Terrible Drivers.Insurers have known for a long time that women are better drivers.

Men lead in accidents of all types, from fatal crashes to minor fender benders

Men, maybe it’s time to hand the keys to the women. According to data from the National Highway Traffic Safety Administration, we’d all be a little safer if you rode shotgun more often—or, um, permanently.

I know it’s a hard truth to accept; you’ve prided yourself on your superior driving ability. You’ve even joked with the guys about your wife’s highway white-knuckling. Well, perhaps your wife’s caution is what distinguishes safe highway behavior from your never-met-a-lane-I-liked antics.

Insurers have known that men are a more erratic behind the wheel for a long time. That’s why they typically charge men more for insurance. Insurers don’t have a stake in the gender war: they simply want to price risk as accurately as they can. Doing so enables them to keep rates low for everyone, men included.

Sex of drivers involved in crashes 

Fatal crashes                       Male                                          Female

                                          Number          Rate                      Number        Rate

2005                              42,947             42.84                 14,967             14.92

2006                              41,912               41.49                 14,661              14.43

Injury            

2005                               18,36,711        1832                  1425,161          1421

2006                               17,62,552        1745                 1387,3324        1366

However, let me give you a tip to all the male’s – you can still get better and cheaper rates, with shopping around. Right here  just plug in the information required and within a moment you will get the best and cheap auto insurance quotes. Compare auto insurance quote and buy yourself the wonderful treat you have been putting off.

Stephen : Auto insurance is very expensive now, especially when I have lost my job. What would happen if one would not buy auto insurance.
Response : This year the Insurance Research Council reported that one in six drivers in the U.S. may be driving uninsured by 2010 due to a continuing economic downturn. . There are 3 compelling reasons to avoid the temptation of skipping your auto insurance coverage namely :
1. Driving without car insurance is a crime
Yes, it is a crime in all states to drive without car insurance coverage. No driver can be certain that he will avoid an accident. You might think you can get away without it, but you can’t be sure. On top of that, your odds of being in an accident with an uninsured driver are substantial.
2. Your auto insurance rates will increase when you reinstate your policy
Remember, most states have laws requiring you to show proof of insurance. Many states make it a practice to stop drivers unexpectedly just to inspect if the driver has proof of car insurance. And if you cannot furnish proof of auto insurance coverage, you will be required to mail in proof of insurance showing you were covered on the day you were inspected.
If you think car insurance coverage is expensive now, just try getting it after being caught without insurance. You’ll be in a new high risk category, and you’ll be expected to pay a lot even though you’re not a bad driver.
For those who choose to drive without insurance, they could lose any assets they own if they hit someone and get taken to court. Letting your coverage lapse can result in having to pay an initial 25% to 50% surcharge for a new policy. Because they consider such drivers irresponsible, Insurance companies charge more upon policy reinstatement.
3. You very well may incur stiff penalties.
Penalties for failing to maintain car insurance can range from a fine, to a suspended license, to jail time. If you get caught, your car or license plates could be impounded until you can pay the fine. Then, you have to pay another fee to reinstate your registration

It is better to go online and shop around for low auto insurance quote. Compare auto insurance quote online and you will find very low and car insurance quotes. Review car insurance quote and check out the quotes above. Grab your low auto insurance quote now.

Rayan : How do insurance companies compare auto insurance quotes? How should the clients compare auto insurance quote when they buy it?
Response : This is an excellent question because you should know what you are doing and comparing in order to arrive at the correct decision. The main thing is comapre Apples to apples vs. apples to oranges.
For insurers :
1) It is important to quote premiums based on protection that is identical to that of other insurers with which cost comparisons are made. Quotes must pertain to the same coverages, subject to the same limits upon which the premiums of the other insurer(s) are based.
2) Care must be taken that proper classifications are used when computing premiums. How are vehicles used? Do young people in the family use them and, if so, to what extent? When these facts are established and a policy is written, it is important to periodically check to determine if changes have occurred. Rating would be adjusted, for example, if a covered car is no longer used for business purposes or if a child obtained a driver’s license and became a driver.
3) As an automobile insurance policy is based on information provided in an application by an insured, the need for accuracy in its details must be made clear to the applicant. Data with regard to drivers, use of cars, accident and loss experience, and convictions for traffic violations must be disclosed. A good application contributes to sound insurance coverage and accurate premium computation. When making a cost comparison, a quote must reflect the true exposure.
4) Insurance providers must explain coverage options in order for buyers to make good choices. Care must be taken in making premium comparisons with those of other companies and avoiding criticism for comparing apples with oranges.
As an client for comparing autoinsurance quote you should :
1) When you compare car insurance quote you must be compare identical coverages.
2) Compare the same limits of insurance for each quote.
3) Give the same information of all drivers.
4) Information on the location must be identical.
In order that the customer gets the correct information the blog gives you 5-6 comparitive quotes for the same information you put in and so this makes things easier for you. Review your auto insurance quote. Enjoy your visits and appreciate your comments.

Kevin : Would I be covered if another member of a car pool is driving the car? What auto insurance coverage should I opt for? How can I get low auto insurance rates for higher coverages?

Response :Whether the car owner’s protection is affected if an accident occurs while another member of a car pool is driving the car is occasionally a matter of concern. The answer is that coverage provided by the policy continues in full, provided the relief driver is operating the vehicle at the named insured’s request or with his/her permission, as is invariably the case.
The Insurance Information Institute has affirmed that participation in a car pool does not void automobile liability insurance provided the pool is not operated for a profit. There is no problem with the popular arrangement when the members of the pool use their respective cars approximately the same number of times. If one (or more) of the members does not share the driving but pays a regular sum, the insurance protection of the owner of a car involved in an accident remains intact–when the amount paid is a reasonable share of the gas and oil expense and depreciation on the car.
The intent of the insurance company is the same when its policy, in pertinent part, excludes coverage for losses involving vehicles “used to carry persons or property for a fee” (instead of their use “as a public or livery conveyance”), followed by an exception for “shared expense car pools.” The language of the exception must be taken literally. Payments by passengers must be limited to a fair share of the actual cost of vehicle use and not include profit for the car owner.

Substantial liability and medical payments limits clearly are needed by persons participating as drivers in car pools and by those who are the only drivers with whom the passengers share the expense. Vans and sport utility vehicles accommodate numerous passengers and, with their growing representation in pools, demonstrate the need for adequate insurance. Such use of passenger cars, large or small, is another reason for recommending personal umbrella liability insurance to many insureds.

Compare auto insurance online and you will find cheap auto insurance quote from the best companies

Jennifer Jackson: I do not have a car and am going for for a rental car what coverages do I require for my personal belogings and let me know about other coverage I might need.

Response: Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.

Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.

Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.

If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.

Remember to compare auto insurance quote at all times, since you are sure to find out the best offers and savings if you make a small effort.