by Guest » Tue Jul 01, 2008 10:08 am
Hi all! I'm Linda, a 32 yrs old mother of two. I'm recently considering purchasing a car for myself and thus would like to know about the cost of auto insurance policies. Though my husband has a car, but I never thought of driving it of my own. Hence I'm not covered under his plan. My questions are
Should I consider buying a policy of my own? Or shall I ask my husband to include me in his plan?
Is there any special plan available for the female drivers?
As I have never drove before how the insurer will judge my credibility as a driver? And how will they rate me?
Thank you all in advance for all the suggestions….
Linda
Should I consider buying a policy of my own? Or shall I ask my husband to include me in his plan?
Is there any special plan available for the female drivers?
As I have never drove before how the insurer will judge my credibility as a driver? And how will they rate me?
Thank you all in advance for all the suggestions….
Linda
Posted: Wed Jul 02, 2008 04:26 pm Post Subject:
OK, first of all, what does this mean?
Take it or leave it.....but the woman drivers will continue receiving fairer businesses from the auto insurance companies.
What do you mean by "fairer businesses? Makes absolutely no sense to me at all. Next:
A specially designed women drivers' auto policy may have special features including in it. It is most often covering the third party losses only, ie., you'll receive coverage only when you cause damages to other's properties. However, in addition to that it protects the car-owner at the event of car theft and fire damages.
Those coverage are NOT specific to "women's" policies. You are doing nothing but describing liability and other than collision (comprehensive) coverage, which are available on just about EVERY auto policy out there.
As well:
The woman car insurance policy may have the features of - breakage coverage, 24x7 accident helpline or road assistance helpline and even 24 hrs. windscreen helpline as the added benefits to their auto policy.
Again, not trying to be controversial, but what is "breakage coverage?" If you "break" your car? What??? :? "24x7" accident helpline is nothing more than 24-hour claims service. Again, not specific to "women's" policies. Many companies offer these services to all of their insureds. Are we talking about a different country here maybe where these coverages are somewhat new to the marketplace?
Finally, Lori said:
but man (IMO) when it comes to being a careless/reckless driver...those young teen girls are hard to beat! They have to be looking everywhere BUT the road, messin' with hair, makeup, waving at friends... Oh and I almost forgot...THEY KNOW EVERYTHING!
Amen! Don't forget talking on the cell phone WHILE putting on the makeup! :x I have three teenagers, and not only do they know everything, we know nothing!
InsTeacher 8)
Posted: Wed Jul 02, 2008 11:52 pm Post Subject:
I have three teenagers, and not only do they know everything, we know nothing!
Ah but sweet revenge comes my friend...Dad and I got a whole lot smarter when they had babies of their own! :wink: And I anticipate our intelligence growing as the grandbabies age!Posted: Fri Jul 04, 2008 12:18 am Post Subject:
Good advice here (and teenage girls are a treat!)
Lori is right in all aspects except one: I agree with InsTeacher about driving experience. Years licensed makes a big difference and I can't recall an application that does not ask it!
I am not aware of any special policies for women. Just companies marketing to women. This is because statistically women have less accidents than men and they are less severe. That's why they usually have lower rates.
OP should shop around but it will probably be best to add the car to her husbands policy.
Good luck!
Posted: Thu Jul 31, 2008 09:36 am Post Subject:
Good advice here (and teenage girls are a treat!)
You all are absolutely right, the teenage girls are no-lees threat than the teenage boys, and both belong to the high risk category. Hence, you'll find no major difference in their rates. Teenage drivers, irrespective of their gender, are very expensive to insure. The rates may go even higher, if the young driver purchases it of his/her own. Including them in the parent's policy often saves money on the premium.
Posted: Thu Jul 31, 2008 09:55 am Post Subject:
Here are some tips to lower you auto insurance costs,
However, all these can help you lower your rates, but can guarantee your safety. Hence, safe driving should remain your utmost priority.
Hope these help.
Posted: Thu Jul 31, 2008 10:31 am Post Subject:
Years licensed makes a big difference and I can't recall an application that does not ask it!
Yeah, I was way off base on that one! Been WAY too many years since I filled out an application ! :roll: :lol:Posted: Thu Jul 31, 2008 01:47 pm Post Subject:
Some insurer may offer reduced rates for the occasional drivers. Hence, if you're not a regular driver you can check out for the low mileage discounts.
I am sure Lori would tell me how much of it is really practiced with the insurance giants!
I've heard of people pretending to be occasional drivers & trying to lower their rates (while in reality they drove for a couple of hours downtown & back..) got themselves into a soup ultimately..how about that??
Regards..lobbymoore
Posted: Thu Jul 31, 2008 03:45 pm Post Subject:
you and your husband should defiantely be on the same policy. the cost is dependant on many things including where you live and the car that you purchase. are you looking to purchase a new car with many safety features or an older one that may not have all the latest safety features. all of this is important to the insurance company.
Posted: Sat Aug 02, 2008 04:09 am Post Subject: credit based rates
don't forget also that credit plays an, if not the most, important factor, so even if you're a good driver, never filed a claim and has never gotten any tickets for any traffic violation(s), you will end up paying higher premiums (whether you're female or male) if you have bad credit
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