Sunday, April 18th, 2010 at
8:52 pm
Conan O’Brien : Do women pay a low auto insurance rate than men? What does statastics say when you compare auto insurance quotes or review car insurance rates of both men and women?
Compare auto insurance quotes and reveiw car insurance Low auto insurance rate : Men or women?
Response : Compare auto insurance quotes and review car insurance than there are certain factors which you need to keep in mind.
It is a myth that women are better drivers and have a low auto insurance rate than men. Men are considered to be bad drivers. Woman is bad at parking of vehicles. Yes, the war between men and women is never ending….. a house hold tale.
The reality is that the government statistics indicate that both women and men women and men have the same accident involvement rates per million miles driven. The men drive more miles than the woman and so it is seen that the men do have more accidents than woman since they are more on the road.
You would be surprised to know that the insurance companies are not charging the woman low auto insurance rates when you compare auto insurance quotes with men as per the mileage. Review car insurance quotes per mileage and you would find that woman are paying a higher auto insurance rate. How do you know this- because the insurance companies charge the same rate But driving myths see only that men have more accidents than women and overlook the reason – men average more miles driven per year than women do which accounts for their involvement in more accidents per year than same-aged women .The truth might surprise you – that in reality the insurance companies are really charging a higher rate for woman than men.
This is because the women drive normally lower miles than the men. There are more men drivers and they drive much higher miles than women and still pay almost the same insurnace. Thus if you compare auto insurance quotes for women and men and review car insurance rates , you will realize that the basic rate per mileage of use is higher for women than men. Thus if you drive less mileage, it would be best to have a Progressive insurance policy which is based on the mileage of use.
Take this tip and get a low auto insurance rate for yourself if you drive less.
Thanks
Kamlesh
Sunday, March 14th, 2010 at
8:07 pm
Dan Thesis : Are there any standard car insurance rates just like the life insurance rates which are called preferred rates? Is it possible to get them if you compare auto insurance quotes?
Compare auto insurance quote and standard car insurance:
Response : Let me admit that the reality is that there are no standard car insurance rates, although this would be ideal. You must have heard from your friends that the auto insurance rates vary for them. Your car insurance rates vary on a number of factors so it is impossible to lump a majority of the same rate into a group and call it standard car insurance rates. Regardless, the best way to find the most affordable auto insurance quotes is to look online using our free quote comparison service located here.
One of the best ways to get standard car insurance rates is to compare auto insurance quotes, review car insurance coverage which is very easy today and it requires just putting in your zip-code.
However, personally I feel if you undertand how the rating matrix works, it will be easy for you to understand how the rating is done so and understand how is works so that you can correct for yourself what you are lacking or can, for example getting yourself graduated driving lessons, if you need to improve driving records.
Here are three main factors on which your rating is based :
1) Where you live : The density and the traffic is going to be a key for the insurer. Obviously, the more the traffic, the more the likely hood of accidents and so the rate would depend on this. Unfortunately there is nothing much you can do about this.
2) Your driving record : The driver is the main risk and so to get a standard car insurance rate you need to keep your driving record clean. This is nothing suprising or new to anyone.
3) Car you drive : The car is important since certain cars are more costly for repairs and hence the insurers charge on the basis of car type model and make. They have gathered all the data over the years and know are constantly researching the safety standards of the car from all sides, roof, front and back.
Yes, you can judge for yourself which cateogry you fall in because you are the best person who knows your own details. Easy today is still to compare auto insurance quotes.
Thanks.
Kamlesh
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Saturday, February 20th, 2010 at
9:40 pm
Jay Stylish : What do I review before I compare auto insurance quotes?
Review 7 things before you compare auto insurance quotes
What you should review when you compare auto insurance quotes?
Response : Jay, knowing something is imprtant and once you are prepared you would defintely get low auto insurance rates. Before you sit down to actually start to compare auto insurance quotes, you need to review the following seven factors which will be important to pre-determine your auto insurance rates.
These are important since they are directly related to the rating factors of the general auto insurance companies take into consideration:
Credit history: Most companies consider you credit history or the driver’s credit history as an important factor when rating. A bad credit score would attract higher insurance premium and hence you need to review your credit and find out what it is or make an attempt to repair it before going for an auto insurance quote comparison.
Driving record: If you have been involved in an accident and have been able to get some proof of your not being at fault, it would be important to review that you have all the necessary documents for this. The more accidents and serious traffic violations you have, the more you’ll pay.
Check the renewal dates when you compare auto insurance quotes
Policy renewal date: It is important to renew your policy in time before the expiry. You may also pay more if you haven’t been insured for a number of years.
Miles that you drive: It is necessary for you to make a note of your mileage and review the usage of your car during the next period since the usage would affect the rating. If you drive less than 1000 miles you can get a lower mileage discount.
Purpose of use : The purpose of use of your vehicle whether it is business or personal use would also decide your rating. Review the usage of your vehicle. Remember that if the vehicle is used even for pizza delivery it is considered a business purpose. Any change in usage either way must be noted.
Car model or safety features: Any additional safety features in the vehicle need to be reviewed. Incase you have got yourself a new alarm system or got new air brakes installed, than you need to note this. This would earn you a low auto insurance rate when you do online auto insurance comparison.
Amount of coverage : The amount of coverage is most important since it would directly affect your car insurance rates. Consider and review car insurance coverage carefully before deciding or keep different options in mind. This is the only factor now in your hands if you want low auto insurance rates.
Online auto insurance comparison is definitely a winner since you can do it at your time and within minutes you can get auto insurance comparison from 5-11 general auto insurance companies.
Wednesday, October 14th, 2009 at
5:32 pm
Marie Silver on cellphone TMZ
Obama : How far will the text messaging ban and the telephone ban help in bringing down the auto insurance premium?
Response : This is something very interesting and something only time will prove. Yes, however the statistics do say that 2 to 43 chances of accidents are likely with text messaging or phone conversation. Recently most the states accepted avoiding distracted driving – ban for cell-phones and text messaging. How effect is this? The photographs above shows Maria Shriver, Schwarzenegger wife using the cell-phone whilst driving.
A law that took effect in July 2008 requires California drivers to use a handsfree device when talking on cell phones.
Since then, the California Highway Patrol has issued more than 150,000 citations. That figure does not include citations issued by local police. Drivers who are spotted by law enforcement officers holding a cell phone to their ear are subject to fines of at least $20 for the first ticket and $50 for subsequent tickets, plus additional fees.
Now consideringhow this will be helpful in low auto insurance let me tell you that the text messaging and cell phone ban will bring down the auto accident rate which is as hgih as over 30% in most places on account of distracted driving. Assuming that this is reduced by at least 15% and the expense and claims are reduced by 15% – the auto insurance premium would be lowered by atleast 10%. The reason for this is because the claim expense for a large part of loading on the auto insurance rate. Thus you will get a low auto insurance rate. I hope this helps.
Sunday, October 4th, 2009 at
8:25 pm
Robert Pattinson: Can I drive legally without insurance?
Response : Recently the surrvey conducted in USA has shown that out of every 6 drivers 1 driver is uninsured . I would not advise you to do this. The economy is bad and the job losses are high and so everyone naturally wants to save. Please compare auto insurance quote, review auto insurance policy, take a quote. I assure you that you will find the best auto insurance quote here online.
Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.
If you’ve financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.
With low insurance quote, you can save – have a piece of cake and eat it too.
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