Car Insurance for Women Drivers

Often, car insurance companies will charge women drivers with lower rates. Men drivers always get charged with higher car insurance rates. If you belong to the age group under 25 years old, you will be charged with a much higher rate. This is because young people always get involved in car accidents. Male young drivers have a higher accident rates compare to female young drivers. Male drivers always get involved in more serious accidents. Statistics show that most of the accidents caused by male drivers involved death and serious injuries. Accidents caused by women drivers are less serious. Usually, accidents caused by women drivers do not involved deaths. Because of this, the car insurance companies feel that male drivers are high risk drivers.

 Even if you are under 25 years old, you can still get discount by proving to the car insurance provider that you have a good driving record. To maintain a good driving record, you must not violate any traffic law. For example, you should not drive pass the red traffic light. You should avoid driving while under the influence of alcohol or drug. Whatever moving violation you commit will be recorded on the driving record. Your driving record should be free from all kinds of negative records for at least 3 – 5 years.

 If you are married, you will get discount as well. Married young drivers will get 10 – 15% discount for their car insurance premium. If you are still studying, you can study hard to get good grades for your exam. Many car insurance companies are offering discounts for young drivers that do well in their SAT or ACT tests. It is important that you bring the transcript if you want to take advantage of the good student discount. Increasing the deductible can reduce the car insurance premium rate as well. You must make sure that you are capable of paying the deductible otherwise it will pose financial burden.

 Once you reach 26 years old, your auto insurance premium rate will automatically decrease. You must never let your car insurance policy lapse. If you let your car insurance policy lapse, you will get fined. You may also be imposed with other penalties if you didn’t renew your car insurance premium promptly. It is recommended that you carry out a research at the car insurance search engine before buying the car insurance policy. You can use the car insurance search engine to find out the car insurance quotes of various top car insurance companies. Before subscribing to the car insurance policy, be sure to check the financial rating. The financial rating is an indication that the car insurance company is reliable.

 If you decide to change another policy, you should get the new policy a few weeks in advanced. After that, you must inform the car insurance company so that you won’t lapse in payment. The car insurance company is responsible for reporting the payment activities to the department of motor vehicles (DMV). You must wait until you receive the proof from the new car insurance company before cancelling the old car insurance policy..