» car insurance premiums for women http://www.auto-insurance-missoula.com Sat, 12 Dec 2009 22:31:25 +0000 en hourly 1 http://wordpress.org/?v=3.0.1 Womens Car Insurance http://www.auto-insurance-missoula.com/womens-car-insurance-missoula/ http://www.auto-insurance-missoula.com/womens-car-insurance-missoula/#comments Thu, 15 Oct 2009 09:37:06 +0000 admin http://www.auto-insurance-missoula.com/?p=16 It turns out being a female is also an important factor when it comes to car insurance rates in Missoula and any other city in the US. Although this may seem unfair, you have to consider that insurance companies look at statistics only. They are not interested in “fairness”. So ladies, this article is for you. See if you can get some insight and save a little money on your auto insurance premium.

Why Do Women Get Better Rates?

The number one reason female car insurance quotes are lower is primarily because statistics show men are more accident-prone Serious accidents for male drivers are nearly double. As such, men make more claims than women and so costs for men are naturally higher. I hear men complain about “women drivers” all the time. It’s funny to see the look on their faces when I tell them the statistics. The truth hurts doesn’t it fellas. Speed is also a factor because men tend to drive faster. Maybe it’s just that sense of machismo that most men are born with. How many female NASCAR drivers are there in the circuit? Also, it shouldn’t come as a surprise that men get in more trouble with the police for speeding, but I believe this statistic is skewed because women can easily get out of tickets for crying during a pull over. I would like to see the numbers on that one. The choice of car is also a big part of why male car insurance premiums are higher in Missoula. Men tend to buy faster and more powerful vehicles (think NASCAR). I was told it was because women think practically rather than living out their fantasies. Uh…I think its because women prefer cute and stylish to fast and furious.

How to Shop for Car Insurance

  1. Never stick with the same car insurance company just because you have been with them for years. You need to review your rates annually and shop around. You’re most likely going to save money with a car insurance comparison, but you need to do some research.
  1. Make sure you do an online comparison and that you are consistent with deductibles, car information and personal data. A small change in deductible will greatly affect the rate quote. You don’t want to be stuck with a huge deductible in case of an accident.
  1. Should you choose liability or full coverage? You’re car must be paid for in order purchase liability insurance and it will be considerably cheaper, but if anything happens to the car you will get nothing. So, unless you have a junker, go with the full coverage option. Also, if you own a home, retirement accounts or any other assets then don’t go with liability because you will expose yourself to a lawsuit in case of an accident.
Women need to understand their policies. If you suddenly become single, or have to handle your own insurance, it’s vital that you know the basics. If you don’t do a little research, you may pay for it in the long run. ]]> http://www.auto-insurance-missoula.com/womens-car-insurance-missoula/feed/ 0