Cheap Auto Insurance California
Posted in:
Auto Insurance Articles
By: Anthony M. Peck
Posted on: Jan 16, 2009 - 12:30:50 AM
It is a proven fact that women can get cheap auto insurance California rates much better than men can. There are many reasons for this. Women drive smarter cars, they get in less accidents, and they are pulled over less often. If you are looking for auto insurance California and your wife is the extra on the policy you may want to switch things up a bit. Women get better rates and there are so many reasons for this. When you are looking for an automobile policy online you will find this to be true. You may have your spouse obtain the policy and put you on as the additional driver. Your insurance could be much cheaper.
Insurance companies give women better rates because they drive more practical cars. Women are known to drive cars that are sedans and practical. Women drive the minivans while men are driving the big beefed up trucks. The problem with the big beefed up trucks is that they often have expensive add on features that insurance companies don’t like to cover. Men usually alter vehicles and women hardly ever makes changes to the body or style of a car they drive. This keeps the average policy for women much cheaper.
Men also get in more accidents than women do and for this reason insurance companies charge men more money for insurance than they do women. Statistics show that men crash more often, go off-roading and more. The fact is that fender benders with women are not as bad claims for an insurance company than an off-roading adventure that totals a truck because it was rolled down a mountain. Insurance companies have more off-roading issues with men than they do with women. These are expensive claims and cause the average male insurance rate to be higher.
Men are pulled over by policemen and given citations more often than women are. It is true that officers let women go often by crying acts or feeling sorry for them. It doesn’t matter why cops let women go. The fact is that because of this men get more citations written to them than women to. This increases the statistics for men and causes the rate of insurance for men to increase also. This is a very big reason that men’s insurance policies are often times significantly higher than women’s. Even if you are a male and you have never had a ticket you cannot get away from being a male.
There are many factors when you are looking for cheap auto insurance California. One thing to keep in mind is that you cannot get away from the factor of gender. Men often have more accidents and citations than women do. Men also like to trick out trucks and their vehicles by altering their original condition to something new. This is something most women almost never do and it is a big cost to the insurance company when there is an accident or a theft. Women get the better rates and the driving record and the type of car may be identical. It won’t make a difference.
