California Auto Insurance -- Why Ladies Enjoy Lower Rates

You may get a number of lawsuits if you tried to discriminate on the basis of gender in many matters. But for a California car insurance policy, your gender is a sure advantage if you are a female. However, it's the male folks you get dealt the worse cards in auto insurance....

Most rough drivers are male. If someone is taking a risk in the name of "being too good to be caught by that," it is a man driving. Women are raised to be graceful. This makes it more difficult for a woman to be rough and reckless on the road. By the way we raise our female folks, every inclination to roughness or recklessness is reduced to the minimum.

Driving for very long hours isn't something most women do. This makes their average mileage lower than that of their male counterparts. In a family, it's always the male drivers that take over for long trips.

Who chooses to drive classics and rather large vehicles? You guessed right -- The guys.

Insurers have built a database that show the behavior of various profiles and ladies have shown that they are a lower risk to insure for car policies. All insurance companies won't treat you the same. Some will score your gender high; others will not weigh it that much. This will translate to a cheaper quote all other things being equal.

If you want to know how your insurance premiums are calculated, check my other articles.

It is not good to pay for an auto insurance policy without understanding every aspect of the contract. It's really important that you understand what the exclusions are for your auto insurance policy.

Women should look for certain products that protects them further. A type of such products or add-ons is a breakdown cover. This usually takes care of you if your vehicle breaks down. How far each insurer would go on this differs.

You can save a lot in your auto insurance despite your gender or circumstance...

Obtain California auto insurance quotes from quotes sites. Compare the quotes returned and pick the best offer. Visit at least three sites. Obtaining and comparing car insurance quotes from insurance quotes sites will guarantee that you save between a few hundred dollars to a few thousands (depending on your profile, policy and current auto insurance rate).

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