Sure Fire Methods to Get Affordable Teen Car Insur

Author: Eric Penningbr
Source: ezinearticles.combr
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Finding cheap car insurance cover can be a real nightmare especially if you are under 21 years of age. Its also an emotionally and financially a stressful time for parents who usually find themselves footing the costs especially if its for an inexperienced teenage son who has just passed his driving test.

Young drivers and in particular male teenagers are classified by insurers as a high risk category. Sourcing a company offering cheap motor car insurance for young drivers is difficult enough, but finding a company that wont take the parents to the cleaners just so that they can get their 17 year old son on the road is another challenge.

According to accident statistics, teenagers in general are involved in three times as many serious collisions than more mature drivers who are in the middle age bracket. To makes matters worse for parents whose children are all teenage boys, almost sixty three percent (63%) of serious car accidents on the roads involve male teenagers. On the other hand, young female drivers are looked upon favorably by insurers, savings of forty percent (40%) for identical cover is not uncommon.

Female drivers are involved in fewer serious car accidents, and when they do make a claim the average claim is forty percent (40%) less than claims made by young male drivers, this is another reason why cheap car insurance cover is more readily available to female drivers still in their teens.

Ok, some things cant be changed, ie. the age and sex of the driver, but it doesnt have to be all doom and gloom. Young male drivers can still make substantial savings on their insurance premiums by following a few common sense tips. If it is the parents who will be funding the cost of the insurance, insist on the following.

Get your son to take more advanced driving lessons after passing their test. The Pass Plus training scheme is for new drivers and is designed by the Driving Standards Agency (DSA). Young drivers are taught a wide range of road and traffic situations which will not have been covered in the standard driving test. It can take years to become a skilled driver, to build awareness and anticipate hazards and deal with them safely. But, with tuition from expert drivers on the Pass Plus course young drivers can speed up this learning process

The big bonus for parents is the savings that can be made. On successful completion of the Pass Plus course, parents can save up to 35% on their teenage sons car insurance premiums and finding cheap car insurance cover wont be as much of a headache, but also equally important is the emotional comfort and peace of mind knowing that their son is better prepared to deal with unpredictable road hazards.

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Author: Dave D.br
Source: ezinearticles.combr
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Why is there cheap car insurance for women. Well its down to just 3 major reasons that women are able to obtain better discounts than men when it comes to getting cheaper car insurance for women.

Reason 1. It has been statistically proven that women drivers are much safer drivers. Even though women drivers are actually involved in just as many accidents as men, their claims are usually smaller.

Reason 2. For a women drivers it is usually the small dents and dings from their driving, whereas men do statistically drive at higher speeds and thus have higher impact accidents causing more substantial damage which drives up their insurance costs.

Reason 3. The third reason that allows women to get cheaper insurance, is that a large proportion, actually 90% of all road or traffic offenses are committed by men. So more tickets and fines goes hand in hand with higher car insurance premiums. Also as women tend to drive a lot less than men, their risk of committing an offence or of having an accident will always be dramatically lower.

So it is very true that a women can get cheaper car insurance rates than man. This discount is usually based on the statistics of risk and due to the 3 main reasons above encourage the insurance companies to offer much lower rates to women as the statistics show women drivers are a lower risk. So women are not just being offered lower car insurance rates just because they are women, its all based on the information that insurance companies use to measure the risk. This does not mean that women are any better drivers than men, the statistics just show that in general that women drivers on a whole are much safer risk than men, and so merit cheaper insurance.

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Author: Kim Chambers
Source: articlesbase.com

As a female driver looking to get your car insured, there are a plethora of options out there on the internet for you to sift through to try and find the best insurance deal for your needs. One of the quickest ways to compare women’s car insurance is to use a price comparison website; but what is it should you be comparing when faced with the myriad options presented on the screen? Obviously the price is a good place to start whilst you compare women’s car insurance but prices can fluctuate depending on what is included in the policy you are about to buy. This handy guide will take you through the key factors you should be weighing up when you come to compare women’s car insurance. One of the first options to look for if you are a female driver is whether the insurance provider offers additional discount to women drivers. As females statistically have fewer accidents whilst driving, almost all insurers will offer a discount for women drivers. Specialist female-only insurers can often provide the lowest premiums for women drivers. As you compare women’s car insurance policies the amount of excess you have to pay can be a crucial factor in deciding how good a policy is. Some insurers have a standard fixed excess price that you will have to pay should you be involved in an accident or your vehicle is damaged, but most insurers will have a variable excess rate. In the case of variable excess rates, increasing the amount of excess you are willing to pay can make your insurance cheaper. However, if you are deciding between two companies, make sure you set the same excess rate to compare which insurer can offer the best deal. Some companies are more generous than others depending on how much you are willing to increase your excess by. Not all insurance policies will come with courtesy cars; in fact invariably, courtesy cars will be an additional extra you have to pay for if you want to remain mobile whilst your vehicle is being replaced or repaired. <a onClick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.uswitch.com/car-insurance/car-insurance-for-women/”> Compare women’s car insurance </a>policies to see which ones offer courtesy cars as standard and how much extra money you will have to pay to get a courtesy car put on your insurance. If you are looking for basic third party fire and theft insurance, another thing which is always worth checking is how much extra it will cost to upgrade to fully comprehensive. As a young driver this may be a lot but more experienced drivers may be surprised to find the difference is not that great and comprehensive insurance offers a lot more protection, giving you greater peace of mind on the road.

Kim has extensive knowledge in all kinds of insurance.
She has written many articles on car insurance to help find the best deals available

Author: Luke Duncan
Source: ezinearticles.com

Car insurance for women is likely to cost somewhat lass then it is for other drivers due to the fact that most women get into less accidents, thus making less claims on their insurance forms. It is also a proven fact that when women do get into accidents they are likely to be less severe in nature. Women drivers also tend to put less miles on their vehicles, which lowers your insurance rate.

Car insurance for women is also somewhat less because women receive fewer tickets for things like speeding. Most insurance companies automatically provide lower rates for women drivers, but it may be worth your while to shop and compare prices before making your final choice. Always check for insurance companies that state they have women friendly rates. This shows the company already acknowledges that you are probably a safer driver then your male counterpart, and have the rates adjusted accordingly.

Companies that sell car insurance for women will usually give you a ten percent discount if not more, just due to your gender. When you speak with an insurance agent make sure he knows your full driving history. If you have never received a ticket your rates should be lower then someone who has. If you are given a quote that is more then what you expected it to be you can try to negotiate with the company. If not, you always have the option of searching elsewhere for the coverage you need at an affordable price. Finding car insurance for women is easy enough if you do your research and compare several different companies.

If you are interested in car insurance or if you want to know more about car insurance read the authors blog post car insurance for women