Ken White : Does the auto insurance rate increase inspite of road accidents due to weather conditions or road conditions?

Response : Ken, unfortunately the truth is that once you have an auto accident under your poolicy your auto insurance rate is going to increase and your auto insurance premium will increase. The weather and road conditions do play an important part in car accidents, however, the insurance company would fiannly attribute the auto accident to your driving skills.

If you want to have low auto insurance rate than you will have to develop great driving skills as per the requirement of the area in which you normally reside or leave. The insurance companies have conducted a number of studies which prove that your driving skills paly an important part in giving you a low auto insurance rate. if you a good driver, not aggressive, you follow the rules and take the precautions required as per the road or weather conditions, you will get a low auto insurance premium. Once you develop this skills like how to drive in a storm, on icy roads or in harsh winter condtions.

Fortunately now the state departments, media and weather departments offer a lot of help and imporvement in road conditions which has decreased the auto insurance fatality. As per the latest news for example from Alabama Gov. Bob Riley is crediting state efforts for driving down the number of highway deaths in Alabama.
Officials are anticipating a 35 percent decrease since 2006 in the number of state trooper-investigated highway deaths in the state.Riley says the decline represents about 300 people.

Beginning in 2006, several state agencies have focused on areas where there were a large number of fatal crashes. The result was a campaign that included a series of safety blitzes and road improvements.Alabama troopers have investigated 518 highway fatalities this year. Riley said that’s down from about 800 in 2006.

Hence you need not worry about this. Low auto insurance rates can be obtained once you drive safely, pay attention to the news on weather conditions and the state goverment plays its role in improving the raod conditions. You can also compare auto insurance rates for low auto insurance at this blog compareautoinsurancequote411.com for free. Read my other articles on this blog for a low car insurance rate.

Happy Motoring.
Kamlesh

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.