Benefits for women drivers in car insurance policies

Article by alien

In today’s time car is essential for both men and women. It is expensive to purchase car, it also require a lot of care. So to over come some of the problems related to it car insurance was introduced which will repay you the amount of your car in case it gets damaged or steeled. The fight between sexes is unending in many fields like in the case of driving. It is correct to some extents that men are more efficient drivers than women. Men are better in the subject like driving but actually women file less insurance claim than men. As women drive less than males so there mileage covers per year are very lower than that of males so the payment they need to pay for car insurance is lower. Women are responsible for minor scuffs rather than high expensive damages so they claim are also less than that of mail. Women drivers mostly drive unadventurously rather than males, who are fast drivers and like to live life on the edge. This directly affects the claim which women file to the car insurance companies which is much less than that of men. There is less risky for car insurance companies to provide policies only for women not for men and some companies are doing the same. It is beneficial for an insurance company to provide car insurance policy only for females. Male drivers can be named drivers on the policy which is cheaper than individual insurance policies.

The benefits from women car insurance is decreasing day by day in last few years and is under threat because women are now more violent than males. The number of road incidents related to women is increasing due to competitive driving. Rate of women drivers are increasing constantly you can find 30% women driving on roads. Also women are now driving constantly and to a larger distance than before. But there is no change in the premium paid by women as the figure is constant in the government records. Women today are also getting the same profit like before as they have to pay fewer premiums to the car insurance companies.

Actually women are safer drivers as they are not driving with anxiety on road like men. Women drive with lot of patience but this is not the case with men. There are many companies that are inviting women for purchasing their car insurance policy. Companies are increasing their women clients by introducing new schemes and offers to attract them.

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What Low Income California Drivers Need to Know About the California Low Cost Auto Insurance Program

Article by Cliff Berman

Rising unemployment rates and the exorbitant cost of gas have left hundreds struggling to come up with the fund they need to keep their car properly insured. That’s why over 15% of drivers on the highways today are driving uninsured, 3 million plus in California alone. In an effort to stem the rising tide of uninsured drivers California has implemented an insurance program designed especially for low income drivers known as the California Low Cost Auto Insurance Program.

Unlike regular insurance programs, which are designed to work on a fixed rate premium depending on your circumstances, the California Low Cost Auto Insurance Program (CLCA) works on a sliding scale determined by your income. Drivers that meet the definition of financial need established by the governing authority can aply to be admitted into the program and enjoy the benefits of a low cost insurance policy designed especially to meet their needs.

This isn’t one of those low cost insurance programs designed to persecute the middle class just because they happen to make enough money to keep food on the table and pay their rent on a semi-regular basis. Instead, the program is designed to accommodate the bottom edge of the middle class, with a family of four being permitted to have a combined income of up to ,000-considerably higher than the state poverty level.

With an income level this high the hope is that every driver will take the initiative and apply for the California Low Cost Auto Insurance Program rather than choosing to continue to drive uninsured.

Because California has a mandatory liability requirement for its drivers the CLCA only offers liability coverage as part of its low cost insurance plan. Included in the plan is:

* ,000 Bodily Injury Liability per person.* ,000 Bodily Injury per accident.* ,000 Property Damage per accident.

As you’ve probably already noticed, this is significantly less than California’s minimum liability requirements for drivers. State officials are willing to make a trade off in exchange for dramatically reducing the number of drivers they have out there driving uninsured. Auto insurance companies have no choice about offering this low cost insurance to their clientele, but they reserve the right to keep their coverage levels low to encourage drivers that can afford it to seek regular coverage.

Collision and comprehensive are not included as part of the California Low Cost Auto Insurance Program. You can, however, purchase them separately from your insurance carrier without affecting your eligibility for the program. Most companies do offer you the chance to purchase additional medical coverage and uninsured motorist at a low cost through the program to protect yourself from the people out there who weren’t as quick to pick up on this great deal as you were.

The California Low Cost Auto Insurance Program is an ideal solution for low income drivers who don’t want to have to sacrifice their auto insurance coverage to keep dinner on the table. If you’re struggling to pay your premiums but don’t want to join the ranks of the uninsured contact the CLCA as soon as possible.

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Guide to Affordable Car Insurance for Young Drivers

Article by Dansomers

Finding affordable car insurance for young drivers can be challenging. You will have not had a chance to build up a solid insurance history and no-claims bonus discount. Young drivers are also statistically much more likely to make a claim on their insurance. This means you will be in one of the highest risk brackets when it comes to setting premiums.Why Young Drivers Need InsuranceCar insurance for young drivers is very important. This is one of the legal requirements for driving on the roads. Many younger drivers take the chance of driving without car insurance as it can be so expensive. However this is a risk that in reality you cannot afford to take. Driving without car insurance is a very serious issue. The police can employ sophisticated technology which can identify whether you have insurance just from scanning your number plate. If you are caught then you can face a fine of up to £5,000 and get as many as 8 points put on your license. In some cases this could lead to an instant driving ban and your license could be revoked. The cost of driving without car insurance is just too high and not worth the risks.It is possible to get affordable car insurance for young drivers if you know where to look. Here are just a few essential tips for saving money on car insurance and also getting the right cover for young drivers:• Protect Your No Claims Bonus – you can get a no-claims bonus discount if you have had car insurance for a least one year (and made no claims). If you can make it to 4 years without making a claim then most insurers will offer you the chance to pay to protect this no-claims bonus. This will be under certain conditions such as you do not make more than one claim in a year. Although this can cost a little extra it may benefit you when it comes to renewing your insurance.• Breakdown Recovery – you need to consider carefully if you need breakdown cover included in your insurance policy. It can sometimes be cheaper for you to take out a separate breakdown policy. This is particularly true when it comes to car insurance for young drivers. You may already have breakdown cover as incentives from your credit card or current account provider.• Reduce Mileage – it can be exciting having the freedom of owning your own car for the first time. You will probably want to use your car all the time even for short trips. However the more miles you do the higher your insurance (and fuel costs) can be. Most insurers will ask you for an estimated annual mileage. You can save money by cutting down on any unnecessary trips and only using your car only when you really need to.• Lost Key Cover – many people don’t realise just how expensive it is to replace lost car keys these days. It could cost up anyway from £200 to £1,500 to get replacement keys/locks and this will depend on the make and model of your car. Can you afford to cover this out of your own pocket? If not then this could be a very important back up feature when taking out car insurance.

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Budget Car Insurance for Families with Teen Drivers Move On to a New Car Insurance Policy for Your Family that Fits Your Budget

Article by David Nalin

Car insurance for families with teens might be a little more pricier, but it can protect you from financial disaster while protecting your car, your driving teen, and your family. Comparing policies takes time and effort, but it’ll bring you the best budget car insurance to keep your family safe and your budget under control.

Budget car insurance for teens is worth shopping around for. It’s hardly debatable that teens are the riskiest group of drivers to insure, and insurance underwriters are armed with statistics showing that teens are almost four times as likely to get into a car accident. In the US, car accidents are the number one cause of death for teens. The fact that a teen is more likely to kill a passenger in a car than themselves increases the teen driver’s liability risk even more. However, car insurance companies are trying to create standards to reduce costs for teenagers that are more likely to be a safer risk. To find the best budget car insurance for your teen, arm yourself with information and start asking questions beyond the provisions of the first quote.

If you have a current car insurance policy in the household, getting a preliminary quote on adding a teen as an occasional driver is a good place to start. As easy as it may sound to add your teenager to your current policy, you might find that a competitive car insurance company can offer you a more cost-effective car insurance policy for you and your teen. It might be time for a change to a budget friendly car insurance company.

Your car insurance company might provide you with a great policy if you’re a well-to-do couple with a clean driving record, but as soon as you add a teen on to that policy, the risk to the insurance company doubles, and many car insurance companies discourage car insurance for teens by requesting budget-straining high premiums and deductibles. However, others are creating strategies to recruit the teen drivers that are most likely to be a relatively safe risk, such as offering discounts for high grades and driver’s education, or even non-smoking. By targeting the low-risk teens, these car insurance companies gain a lucrative market that conventional car insurance companies may pass over, thus creating a financial environment which allows them to offer budget car insurance to attract teens and still make a profit while parents and teens save money.

To find the best budget car insurance for you and your teens, analyze policies based on total costs and benefits, not merely the increase in monthly payments that arises from adding a teenage driver. By shopping around, you’ll find the best car insurance deal for you and your teen at a car insurance company that is teenager-friendly, and adult friendly. Compare policies and keep an open mind toward evaluating budget car insurance for your teen and your family. The biggest car insurance company isn’t always the best car insurance company, or the best for your budget.

Budget car insurance for teens through a new car insurance company may even result in a savings on your entire family policy. With a budget car insurance policy that fits your family, your budget, your cars, and your family will be well-protected.

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