NY Auto Insurance -- Why Women Get Lower Rates

You might get a number of lawsuits if you tried to discriminate on the basis of gender in many matters. It really pays to be female as far as getting lower NY auto insurance rates is concerned. And, insurers have good reasons for this position. Insurance companies in ages have established that women are less risks to them. This is why they give them cheaper premiums...

If there are drivers that are in the pattern of driving at unsafe speeds, 7-9 out of 10 would be male. If someone is taking a risk in the name of "being too good to be caught by that," it is a man driving. Females, by their very nature, are not likely to be physically rough. Every family will naturally frown at lack of grace in their daughter. This helps reduce if not eradicate recklessness where such traits are seen.

Women are also less likely to drive for long hours. If it is going to be a long distance, most ladies will gladly let a man do the driving.

Who chooses to drive expensive and rather big vehicles? You guessed right -- The guys.

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

How insurance companies arrive at your premium and the reason for so much disparity in auto insurance quotes for comparable policies are subjects for another article.

It's also vital that you read the fine lines and make sure you really ask questions about what is included in your policy.

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

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

All it takes is visiting at least three quotes sites and getting NY car insurance quotes from them. The next step is to pick the best quote from the lot. Just make sure you give your correct details at all sites visited. Getting and comparing auto 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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