5 Tips for Women before Buying/Renewing Car Insurance
20 Feb 2018
5 Top Tips Every Woman Must Know Before Buying or Renewing Car Insurance!
Did you know that men pay more for car insurance than women do? According to a research carried out by the Insurance Institute for Highway Safety, the number of men who die in fatal accidents was approximately twice that of women drivers. The research suggested that often, male drivers recklessly speed on highways and drive without a seatbelt. It’s no rocket science then that women drivers get to pay a lower premium for their car insurance in comparison to men.
But gender is not the only criteria that defines the amount a person pays for his or her car insurance policy. The other factors include age, marital status, type of car, credit score, and so on. Did you also know that single women pay more for car insurance than married women do? As assuming as it sounds, it’s the reality. Your driving record also plays a key role in determining the car insurance premium amount you end up paying. Here are some car insurance tips every woman must know before she buys or renews her car insurance policy.
Before you buy or renew your car insurance online, remember to carry out thorough research about the car insurance policy in question. Understand your requirements and find out which insurance company is offering you the best car insurance quote.
Once you have your research in place, you can start comparing the different car insurance policies. Depending on the services and benefits they offer, versus the premium amount they charge; you can weigh the pros and cons before buying your car insurance online.
3. Choice of vehicle
Many car insurance policies consider the type of vehicle to charge the premium amount. Therefore, while purchasing your car, keep this point in mind and ask your car dealer about the types of car insurance available on the car of your liking and understand the average car insurance premium you might be charged.
4. Maintain a good driving record
A positive driving record plays a vital role in determining the premium amount you pay for your car insurance. Always follow road signs and signals while driving. At all costs refrain from driving the car under influence of or in an intoxicated state due to alcohol or drugs. This is crucial for your safety and the safety of those around you.
5. Avoid smaller claims
It’s impossible to steer clear from small car scratches and damages. For such repairs, which don’t cost a lot, it is unwise to make a car insurance claim. If you do so, then the car insurance company will increase your car insurance premium and might even cancel your policy in certain circumstances. Again, your car model and type play a huge role here as no matter how small the damage is, expensive cars often cost a lot to mend.
Consider these car insurance tips before buying your car insurance online to ensure that you make an informed decision. Remember that car insurance will safeguard you and your family, from unforeseen accidents to damages.