• woman in car

  • guy looking at car

  • guy looking at car

  • Find out if women get better car insurance rates than men.
  • Want to see how age affects what you pay for car insurance?
  • See how safe drivers get better insurance rates.

Three Important Car Insurance Rate Risk Factors

Insurance Rates for Women


Gender plays a role in the pricing of car insurance, with women receiving better rates. This is because women are statistically safer drivers than men, speed less and drive cars that cost less to insure. Women typically pay 8% less than men for car insurance.

Driving Records' Role


A clean driving record is rewarded by lower insurance premiums. Moving citations and major accidents can increase your insurance rates. Minor accidents and accidents where you were not at fault usually don’t impact your rate. Accident-forgiveness policies ignore your first accident if you are an otherwise safe driver.

Effect of Age & Insurance


Based on statistical analysis, insurance companies find that older drivers tend to be safer than younger ones. Insurance policies reflect this in the decreasing premium costs as the driver ages. Elderly drivers are sometimes exempted, so it is important to find a policy that rewards an experienced and safe driver.

Overall Safe Driving


There are various factors that can influence your monthly rates. However, the best thing to remember is that safe driving will determine the best rates for your monthly insurance. Making sure that you're following the law at all times will, in all probability, keep you safe and your rates down.

Recent Posts

  • Should You Buy Travel Health Insurance F...

    September 9th, 2014

    You’ve found a flight to your dream destination at the perfect price, booked time off from work, and practiced packing as lightly as you possibly can. You’ve waited all year [...]

  • Why Your Business Needs Insurance Bonds

    September 8th, 2014

    An insurance bond, otherwise known as a business bond, is an insurance policy or contract that protects the parties in a business arrangement. Certain businesses are required to be bonded [...]

  • Why Working With An Experienced Personal...

    September 4th, 2014

    Many insurance companies claim to have the best rates. However, most of these companies only provide a limited solution that works for a small percentage of the American population. An [...]

  • 5 Reasons Why Your Commercial Truck Insu...

    August 29th, 2014

    As someone who owns a business that operates trucks, you probably worry about your high commercial trucking insurance rates. If you’re wondering why you are paying so much, consider these [...]

  • 4 Tips To Prepare Your Teen For Driving

    August 27th, 2014

    Learning to drive is one of the biggest rights of passage for a teen and a huge moment for parents to enjoy as well. As a parent you can teach [...]

  • Making Sure Your College Children Have A...

    August 21st, 2014

    Regardless of how well you raised your children, sending them off on their own can be worrisome. Take one worry off your mind by making sure your children have suitable [...]