Posts Tagged ‘safer driver’

Love and Marriage - And Their Effects on Auto Insurance

Thursday, June 18th, 2009

Finding a spouse and getting married is one of our biggest goals in life, not to mention one of the happiest times.  But there can be added happiness to you and your new spouse in the form of cheaper auto insurance.  Consider it a wedding gift from your insurance company for your new wedded bliss.

So, how do you go about getting your auto premium savings?  First, talk to your insurance agent.  He or she will be able to tell you what savings exist for married couples.  Here are just a few ways you could save:

Get married - Yes, with a simple life change such as getting married, many insurance companies believe that you become a safer driver.  Married couples have a commitment to one another and thus drive more safely and stably.

Combine cars into one policy - Do you and your new spouse each have a vehicle?  After you get married it is time to consider getting them both on the same insurance policy.  Check with each of your current insurance companies, and even shop around for others, who will offer the best discount for multiple cars on one policy.

Choose your new home carefully - After couples are married they usually begin a search for a new apartment or home.  Choosing wisely can have a big impact on their auto insurance premiums.  Why?  Certain zip codes are considered safer neighborhoods than others.  Also, depending where you live and how far you have to drive to work can save you money.  If you drive only a short distance to work you could save with a low-mileage discount.

Marriage is a happy time in life.  And you can increase your happiness by saving money on your car insurance.  Be sure to check how your new marriage can help your pocketbook.

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Is Auto Insurance Sexist?

Monday, May 18th, 2009

Usually when men or women get preferential treatment over the other sex it is called discrimination.  However, throw in actual statistical data that proves one sex is better than the other and it’s not profiling or sexist, but legitimate business practice.  Fortunately for women, they have been found to be the preferential driver for insurance companies.

Yes, women can get cheaper car insurance rates than men.  Why?  The simple statistically proven fact is that women tend to be safer drivers and avoid car accidents more than men.  And the accidents that women are involved in generally result in less expensive claims.  Fender benders unite!

It’s hard to dispute the facts and statistics.  Particularly, it is the younger women who end up the safest.  Women ages 18 to 25 simply do not have as many accidents, do not receive as many speeding tickets, and are not involved in as many moving violations as their male counterparts.

Perhaps it’s the experience of freedom and exhilaration in a car young men have in their teens and early twenties that push them to drive faster and take more risks.  How many news stories have you seen lately where a young male driver was in a fatal accident after losing control while racing down public streets?  It’s a recurring and sad news story.

But the record shows that women of all ages drive less, wear their seat belt more often, and drive shorter distances than men.  In addition, women with children tend to be safer and more careful on the roads as well.

What is the premium savings for women?  It differs from company to company, but the difference is not much.  But every little bit helps.  If you are a female with a clean driving record, be sure to ask your auto insurance agent about the possible savings you could get simply “‘because I’m a woman.”

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