How to Compare Female Car Insurance Quotes Online
Male Vs. Female Car Insurance Prices In Florida, the average annual cost of full coverage auto insurance is $1,086 per year. That is less than $700 per six-month policy or less than $99 per month. But female car insurance costs are influenced by several factors other than sex. Let’s look at how the rates for each gender vary when you add in other factors.
Gender And Speeding Both men and women speed. And though statistics don’t prove it, men seem to get a ticket faster and females seem to be more likely to be in a collision. But when it comes to insurance premiums, gender doesn’t account for a huge difference. In fact, it may actually be a disadvantage for some men and women.
One reason could be discounts for female drivers. Some insurance companies offer cheaper rates for female car insurance because they are considered safer drivers. Statistics prove that female drivers have fewer accidents than male drivers. They also have less involvement in car crashes and they tend to use their vehicles less often than men. These can all reduce your insurance premiums and some companies give extra discounts for good driving records.
The Type Of Policy Many auto insurance policies come with standard coverage. These include bodily injury liability, collision, comprehensive, medical payments and uninsured motorist. Men pay less for these than women do, even if they are considered “high risk.” For instance, men pay $5.00 more a month on average for bodily injury liability compared to women. They pay $7.50 more for comprehensive coverage and only $3.00 more for uninsured motorist protection. This doesn’t include other discounts for married couples, low credit scores, age over 55, and the standard level of coverage.
Gender stereotyping has created the myth that women are better drivers. This isn’t true. Insurance companies don’t determine a person’s risk by gender. They simply look at the driving record of an individual to decide whether they are a high risk or a low risk. If a person has a good driving record, they will get the best rates, regardless of gender.
Other Factors In addition to age, marital status, driving record and credit score, auto insurers evaluate the driver’s behavior. For example, many accidents involve drunk drivers, people who text and drive and teens who are inexperienced. All of these behaviors make an individual a higher risk and can result in lower premiums. In addition, some states have passed laws stating that people who attend driver’s education classes will be eligible for a reduced rate.
How To Get Free Car Insurance Comparison Quotes Online: To get quotes from several different insurance companies, you need to submit information such as your name, address and type of coverage. To make sure you’re getting the best coverage available, it’s important to request quotes from as many insurance companies as possible. There are many websites available that allow you to request quotes online. These websites submit the information to numerous auto insurers. The insurer with the most accurate quote is likely to offer you the lowest price.
Women tend to drive less than men, which can lead to cheaper car insurance rates. Women also tend to take more defensive driving courses than men do, which can reduce the likelihood of being involved in a traffic accident. In addition, many women don’t own or don’t use their cars for business purposes, so they are not as likely to file speeding tickets. So, if you want to get the best coverage, it’s important to ask questions and shop around. If you are a woman who is concerned about getting discounted car insurance rates because of your gender, be proactive and find out what options are available to you. There are many things you can do to help lower your premiums, and even many things that you can do to keep them down if you have no accidents or speeding tickets.