Select topic

Auto insurance premiums can differ greatly for men and women as well as for elderly and teen drivers. Statistics show that sex and age influence the speed you drive at and how careful you are on the road.

The gender of the drivers can tell a lot about the risk they face and about how they handle a car. According to the research women are less likely to drive at a high speed, to be charged with drink driving, to run long distances, to receive a motoring conviction. In general women are less likely to take risks while they are driving. They wear their seatbelts more often and try to equip their car with security devices. Therefore female drives have much fewer accidents than male drives do. Auto insurance companies have all this data and offer car insurance for women at lower costs. Women can also get a break in the auto insurance if they have a clean driving and credit record and if they are applying for a group auto insurance (investigate more about the discount car insurance to find a low cost auto insurance).

Another important point that impacts your auto insurance premium is your age. Auto insurance companies do pay close attention to your age and your driving record. Elderly drivers and teen or youthful drivers have different auto insurance policies. Drivers 75 years or older and teen drivers have the highest crash death rate than any other group.

Elderly drivers have a driving experience but sometimes they do not want to admit that they can't react to emergencies that often occur on the road as fast as they did before. The elder the driver the more chances he/she has to die in an accident. Drivers who are 65 and older have twice more chances to die on in the crash than drivers who are between 55 and 65. In most states elderly drivers are required to pass medical tests and driving courses for senior citizens. That's why auto insurance companies offer a special car insurance for elderly people.

Teenagers are another group of risk. They might be the most careful and safe drivers as they have an excellent reaction. But lack of judgment and driving experience leads to high death rates. Auto insurance premiums for young people are usually high but you can try to get a break in your car insurance:

While choosing the best auto insurance policy for a teenager do not buy a separate car insurance but add young drivers' auto insurance to your family auto insurance policy.

Restrict the use of the car and drive less miles. Do not drive at nights.

If a young driver keeps his car at college he/she can also get a reduction in the auto insurance.