Sex And Insurance Premiums.

Hey,

My sister is a year younger than I am and pays less for her Arizona Auto Insurance than I do.  Why is that?

Glen.

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Hi Glen

In the simplest of terms,  females pay less for insurance than males because they have fewer accidents.  No matter what current folklore suggests about the driving abilities of the female population,  statistics show that they are not going to have as many claims against their policies.

Statistics also show that when they do file claims they will be much lower than the males of the same age.  So until the statistics show otherwise,  you will continue to pay higher rates than your sister.

Thats Life!

Francis.

Arizona Auto Insurance For Young Drivers.

By Francis William.

When it comes time for the rite of passage to move into the area of a licensed driver the State of Arizona has a lot to say about it.

They establish the age at which it can happen and they establish the level or responsibility that the new driver must demonstrate in order to register the car.  In other words,  the amount of Arizona Auto Insurance that a new driver must carry is established by law to be 15/30/10.

Driving without this minimum amount of insurance can result in a loss of driving privileges and a heavy fine for the first offense. Insurance companies look at the accident statistics for young drivers when they set the rates for Arizona Auto Insurance.

It is an established fact that drivers under the age of twenty five have less experience, take more risks,  and have more accidents than those over twenty five.  While married drivers under the age of twenty five tend to have fewer accidents and therefore get lower insurance rates most people will advise against getting married to save on insurance.  It is far better to get the young driver discounts for good driving records and for having completed the drivers educations courses.

Published with kind permission.

franciswilliam@arizonaautoinsurance247.com

Seniors Auto Insurance.

Question?

What can I do to keep my rates for Arizona Auto Insurance from going up with my age?

Paul,  (Phoenix – Arizona)

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Hi Paul,

Most companies will give you a discount for taking a refresher driving course.  It is a classroom only and designed to update the student in current law and changes in car safety features.

You may also be eligible for insurance discounts if your car is equipped with the latest safety devices such as side air bags.  Keep current on what is being introduced to make your car safer and when possible have them on the car that you are insuring.

It will pay off in the long run whether or not you are involved in an accident.

Francis.

Why The High Cost Of Insurance For Younger Drivers?

I have a question?

Why do I have to pay more for Arizona Auto Insurance just because I am under 21?

Here is your answer.

Auto Insurance companies charge based upon the projected risk.  In other words what are the odds that a person of your sex and age will be involved in an accident that will result in a claim against them.

Over and over the statistics have shown that the younger a driver the more likely hood there will be of having an accident.  By the time you reach 25 your likelihood of having an accident will average out with other drivers until you reach the age of 55.

franciswilliam@arizonaautoinsurancequotes247.com

Arizona Auto Insurance For Females

By Francis William.

If you are going to drive your car in Arizona you will need to have Arizona Auto Insurance.  It is the law.

From that point on,  what you pay for your insurance is up to the insurance company you choose.  Insurance companies set their rates so that they can cover the cost of accidents that can reasonably be predicted and make a profit in doing so.   They pay a lot of attention to the statistics surrounding accidents including who has the most,  the sex of the drivers,  the age of the drivers, and where the drivers live to name a few.

These figures demonstrate over and over again that females have fewer accidents and when they do,  the claims are much less than their male counterparts.  Part of the reason for this is that in the past males have driven more miles than the females and have had more of a tendency to take greater risks.   Males also had a greater propensity for getting tickets for moving violations.

As long as the Arizona Auto Insurance companies are still seeing this trend in drivers they will continue to give the lower premiums to female drivers when they take out automotive insurance.

franciswilliam@arizonaautoinsurancequotes247.com