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Cheap Car Insurance for Young Female Drivers, Best Online Quotes


Cheap Car Insurance for Young Female Drivers

Locating an Affordable Car Insurance


Here's How to Get Cheap Car Insurance for Young Female Drivers

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:


1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.


The Newbie Mistake That Can Cost You Dearly

The number one mistake made by folks who seek Cheap Car Insurance for Young Female Drivers is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.

The single most critical factor in getting a cheaper car insurance rate is shopping around for as many quotes as you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.

Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.

Now, usually shopping around for five quotes can be a tedious and time consuming task, but we will make it here much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528- this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

insuring your vehicle

What Factors Impact Your Insurance Rates

When you apply for auto insurance, the insurer will ask for information about you to evaluate your individual risk characteristics These individual risk characteristics assist insurers in predicting the likelihood that you will be in an auto accident in the future or will file a claim for damages. Insurers evaluate these characteristics to determine whether their guidelines, known as underwriting guidelines, permit them to write a policy for you. The individual risk characteristics that insurers typically review include:

Your driving history for the past three years; specifically including any moving violations on your driving record and/or any accidents you have been involved in.

What type of vehicle you wish to insure; the make, model and age.
Whether your vehicle is used for commercial purposes (i.e. for deliveries or transportation services).

Whether there are any drivers of your vehicle under age 21 (and whether those drivers are covered under a different policy).

Whether any drivers in your household have licenses that have been suspended or revoked.

Whether you have been cancelled or non-renewed by a previous insurer.

Whether you have allowed your prior insurance coverage to lapse for a period of time.

The amounts of insurance coverage you wish to purchase.
Your credit history.

Whether you have a stable residential address and/or work history.
If the insurer’s underwriting guidelines permit a policy to be written for you, the insurer will then assign a rate based on your individual risk characteristics. Some risk characteristics that insurers rely on to determine rates include:

Your driving record. Insurers are prohibited from increasing your rate based on accidents or traffic violations that are more than three years old. Insurers will consider traffic accidents and traffic violations that have occurred in the past three years in determining your risk. If your driving record is less than perfect, then you will be considered a higher risk and will pay a higher premium.

Geographic area. The number of claims filed by policyholders in your geographic area affects the rates charged by insurers. Counties or zip codes are commonly used geographic areas.

Gender and age. Males and young adults have a higher incidence of accidents; therefore, your gender and age will impact your rate. Rates generally decrease at age 25 and may increase as you approach age 55 or 65.

Marital Status. Married individuals have a lower incidence of accidents and claims. Therefore, married individuals generally pay lower premiums than single people.

Prior insurance coverage. Most insurers ask about your insurance history, including whether or not you currently have coverage or whether or not you have ever been cancelled or non-renewed. Some insurers require individuals to pay higher premiums if there has been any lapse in insurance coverage.

Annual mileage. Insurers will also calculate your premium based on the average distance you drive on an annual basis. If your annual mileage is high, then insurers will consider you a greater risk and will charge you a higher premium.

Age, make and model of vehicle. Premiums are also based on your vehicle’s age, make, model and value. Certain makes and models of vehicles – when involved in accidents – cause or permit greater levels of bodily injury; sustain greater levels of damage; and, are more difficult and costly to repair Insurers charge a higher premium to insure a vehicle that displays such characteristics.

Credit history. Some insurers review an individual’s credit history when determining their premium. For instance, bankruptcies, late payments and the number of credit cards you have may result in a higher premium. Insurers must follow specific guidelines when using a consumer’s credit history to underwrite or rate an auto insurance policy.

Those guidelines state that an insurer may not:
• Increase a renewal premium based on the credit history of the insured.
• Apply a surcharge of more than 40% based on credit history.
• Use the following factors to rate a policy: the absence of or inability to obtain credit history, the number of credit inquiries, or any factor that is more than 5 years old/

Additionally, you have the right to request that your insurer recheck your credit history once per policy period If your credit history has improved, the renewal premium may be reduced. However, if your credit history has deteriorated, this information cannot be used to increase your premium.

You can review your credit report to become informed about your standing when you apply for certain credit and certain types of insurance. You may also correct any errors you discover in your report. You can review these reports at no charge every 12 months. For questions, or to make corrections to your credit report, or to access information about how to obtain free copies of your credit reports, you should contact the Federal Trade Commission at www.ftc.gov.

How Gender Affects Auto Insurance Rates

Car insurance companies take a look at many factors to determine how much risk they’ll face when insuring you (meaning how likely they are to pay out a claim on your behalf). These include:

  • Your car’s make, model, and year.
  • Your driving record.
  • Your credit history.
  • Your age.

In addition to the above, a major factor that gets weighed when an auto insurance carrier determines your rates is your gender. This is given particular attention when you are a very young driver (see “How Age Influences Car Insurance Rates”below).

The Pricing Gap

Starting from the time they begin driving, women generally pay less than men do for car insurance. This pricing gap is influenced by:

  • The types of cars typically chosen by men.
  • The frequency of accidents among women versus men.
  • Gender-based statistics on risky driving behavior.
  • The average number of miles driven by women vs. men.

Why Women Pay Less for Car Insurance

Auto insurance companies calculate their risk when they determine your premium.

Calculating risk means using historical data to make an educated estimate of the likelihood of a covered person being in an accident.

The statistics tend to show that as a group, women are less likely to:

  • Get into a car accident.
  • Commit moving violations, like speeding and driving under the influence (DUI).
  • Buy cars that are more costly to insure.
  • Drive as many miles as the average male driver.

For the reasons above, car insurance for women is typically cheaper than it is for men.

The Numbers Behind the Rates

While gender-based car insurance may seem biased, the following statisticsprovided by the Insurance Institute for Highway Safety (IIHS) help explain why gender is a rating factor for car insurance:

  • 71% of all car accident-related deaths in 2012 were males.
  • The number of drivers who died in a fatal car accident was 50% higher for men than women in 2008.
  • Men are much more likely to have been under the influence of alcohol in a fatal crash. In 2012, 38% of fatally injured male drivers had BACs of over 0.08%, as compared to 20% of fatally injured female drivers.
  • Seat belt use was observed in 88% of female front seat occupants, as compared to 84% of male front seat occupants.
  • In 2012, 23% of male drivers who were involved in fatal accidents werespeeding at the time of the accident, while 14% of women involved in fatal crashes were doing the same.

Since risk exposure is a large part of an insurance premium, women can generally expect to pay lower premiums than men.

NOTE: If you have a poor driving record with a high history of claims, however, you will still present a high risk to your insurer—regardless of your gender—and pay a high car insurance premium.

The Influence of Age in Car Insurance Premiums

Age can be a significant factor in the difference in insurance rates. In a lifetime, women pay less for car insurance than men do. The major difference, however, stems from the difference in risk between female and male drivers in their youth.

The car insurance premium for young women is at its highest when they are between 16 and 24 years old, but for young men they are much higher.

While auto insurance companies calculate that women in this age group are more likely to exercise unsafe driving habits and get into accidents than older women, they find that men in this same group are still much more likely to:

  • Have accidents.
  • Cause fatalities in accidents.
  • Commit moving violations.

The difference in the risk assessment between men and women in this age group is so big that it account for most of the lifetime difference in insurance costs between men and women.

As drivers reach age 25, their risk goes down, as insurance companies see them as more mature, settled, and safe on the roads. At this point, rates tend to begin evening out among men and women. However, because men statistically exercise more aggressive or unsafe driving habits, they may still pay a somewhat higher rate than women.

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The purpose of this article is to show you how to save on your policy premium costs and obtain really cheap policy price offers from the best rated and best value insurers. Now note that your rate can differ based on several factors. For example, the following personal factors can negatively affect your rate: first car for teens girls and boys, young driver, new drivers, over 60, under 21, learner drivers, teenagers, 17 year olds, young persons, high risk, under 25, drink drivers, young people, business car (any driver), young persons, 1st for women, business car insurance (any driver) and convicted drivers.

While other factors can allow for more affordable quotes, these include: over 50, college student, military, ladies, second car, renew current policy, low mileage, dual car, group family, joint drivers, 2nd car, limited mileage, multiple car and renewal.

There are some non-regular coverages that may not be available from every broker and agency, these may include: BMW vintage, pay as you go premium payments, high performance and racing autos, temporary European vehicles quotes, third party temp cover, antique or classic car, non owner 4x4 rental, no deposit required or agreed value low deposit.

You may also be interested in a non-regular term, these may include: pay monthly, for a day, for 6 month, weekend, monthly, weekly, short term, temp or 1 month - for those you'll need to locate specializing agencies or brokers. As for discounts for low income car owners, unfortunately most USA insurers will not provide low income men or women with special cheep or discounted car insurances rates. You can further lower your costs by limiting your cover to just liability rather than comprehensive, however this is not recommended. To summarize, taking advantage of the knowledge provided in this article can substantially reduce your average carinsurance costs.

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