California Auto Insurance -- Why Female Folks Get Cheaper Rates

You might get a number of lawsuits if you tried to discriminate on the basis of gender in many matters. Car insurance in California is an exception. However, it's the male folks you get dealt the worse cards in auto insurance....

Most speed demons are men. Most dare devil drivers are also male. Females, by their very nature, are not prone to being physically rough. Every family will naturally frown at lack of grace in their daughter. This helps reduce if not eliminate recklessness where such traits are seen.

Ladies are also less likely to drive for long hours. A man is generally considered better at physical activites. And, they will usually be the ones driving if it is a long trip.

Women also drive smaller cars. These are less expensive to maintain. Furthermore, they'll also go for vehicles that have better safety features.

Car insurance companies know these and therefore give ladies lower rates all other things being equal. That said, you'll not get similar treatment from every insurer for your gender. Some go as far as to give special products that will take care of you especially as a lady. What this means is that you'll get better price/value from some insurers than others.

To get details on how insurance companies calculate your premium, read my other articles. I treated that extensively in one of them.

Make sure you are able to figure out the terms and scope of coverage before signing the contract.

If you are female and often drive alone, there are addons like breakdown cover that you should give a lot of consideration when choosing your auto insurance provider.

You can make massive savings in your car insurance despite your gender or circumstance...

Obtain California auto insurance quotes from quotes sites. Compare the quotes returned and choose the best offer. Visit at least 3 sites. Getting 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 premium).

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