Womens Car Insurance: We’re Better Drivers

Steve — Thu, 21 Jan 2010 02:57:27 +0000

Guest post by: Elizabeth Rocks

Women are better drivers than men. That is a fact, men, even though you may not like to see it! I’m not trying to get get guys all shook up about male or female superiority. Male egos just seem to make them more aggressive drivers. Women are a little more on the careful side and pay more attention to the rules of the road. That’s why womens car insurance rates are generally better. I’m going to try not to be judgmental and I’ll stick with the facts, as seen by insurance companies. If you have a man in your life, ask him to read this article and see if he happens to agree with this position.

Women are more cautious.

Many male drivers push the speed limits by 5-10 miles per hour. They may not be impetuous or irresponsible…they just want to get there faster. It’s a guy thing. Law enforcement data shows that higher speeds cause more accidents, especially in congested traffic areas. Women approach speed limits differently. They’re a little more cautious, which is one reason womens car insurance premiums stay lower. It’s not that they can’t or won’t drive fast, it’s usually just because they don’t want to get pulled over for a speeding ticket (which drives insurance rate up). I like to play a game. When I see a man pass me going quite fast, I pick a point somewhere ahead. It may be an exit or stop light, but I usually get there within seconds of the man, while driving the posted limit.

Women drive less miles.

Women drivers usually average less miles per year than men. That may be due to job differences, car pooling or stay at home moms. Lower mileage equals less time on the road and lower risk of an accident. When traveling, women are much more likely to let men do the driving. Again, less mileage driving…lower risk of accident. These factors may be social and culturally biased, but they translate into statistics that influence womens car insurance rates.

Women are content with small cars

Women like smaller cars. They’re easier to park, maneuver in traffic and need less maintenance. They also like safety features built into their cars. They don’t consider driving as an adventure, as men do. A small, gas efficient engine will do just fine, thank you very much! On the other hand, men seem to go for the big engines with power and speed. Those big engines are just another rate increase factor that female drivers car insurance doesn’t have to deal with. Most car insurance companies use databases and profiles to arrive at rates. It is just business for them and doesn’t reflect badly on men. They’re in business to make money and they don’t have to pay off as often on women’s car insurance.

These are just a few factors that go into pricing car insurance rates. Don’t be upset guys, when your gender costs you more money. It’s just business!

Instant Car Insurance Quote

Steve — Thu, 21 Jan 2010 02:32:04 +0000

With today’s hectic lifestyle, we all want an instant car insurance quote, so we can move on to other things. Here’s a familiar scenario: I call my car insurance agent. His secretary says he’ll call me back. I miss his call…three days later we finally connect. Sound Familiar? My time is too valuable to waste chasing down an agent, to get a conventional insurance quote. That’s why many people are switching to purchasing car insurance online.

What’s stopping you?

Many people are uncomfortable with shopping online for an instant car insurance quote. They worry about the security of their personal information. Every few months, we hear about some whacko hacker getting into a confidential website. However, we almost never hear about a hacker accessing secure financial transactions. That’s because most Internet e-commerce uses Secure Sockets Layer (SSL) Certificate Authority encryption techniques that are so advanced that they handle literally millions of sales a day, without a hitch. Your instant car insurance quote is backed by sophisticated software that is probably more secure than being in the paper files of your local car insurance agent. Imagine how many employees wandering around the local insurance office have access to your files! That security fear is real to many people, but they’re finally beginning to realize that it’s out of date.

Do the online forms make you nervous?

To get an instant car insurance quote, you do need to fill out a quick questionnaire. Many folks aren’t real comfortable with their computer skills. They worry about getting the little information boxes right. Well, I can tell you from experience that the insurance companies have made giant strides in that regard. When you fill out the quote form, a series of built in system checks tell you if you’re doing something wrong. They’ll suggest things or ask if you really meant something. They also give you a second chance to look everything over before you submit.

Are you looking for the best price?

Instant car insurance quotes online make it easy to save money. Most websites dealing with multiple companies have a selection that makes it easy to find cheap car insurance. Even the biggest car insurance companies have tutorials on how to save money with their products. Their goal is to attract you as a permanent customer, no matter whether you want a Cadillac plan or the VW program. Instant car insurance quotes, no matter what the company, are just a click away!

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