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Friday, October 9, 2009

Los Angeles Car Insurance -- When Gender Is An Advantage


Female folks often get poorer deals in many matters. But for a Los Angeles CA auto insurance policy, your gender is a sure advantage if you are a lady. Insurance companies in ages have proven that women are lower risks to them. This is why they give them cheaper rates...

The most reckless drivers are usually male. If a driver is attempts risky manuevres, it's likely a male driver. Ladies are brought up to be graceful. This makes it more difficult for a lady to be rough and reckless when driving. And where such attitude exist naturally, societal pressure tones it down quite a great deal -- It's not ladylike to be rough.

Ladies average a lower mileage as a group since they are less likely to drive for long hours daily. In a family, it is always the men that drive long trips.

Women also drive smaller vehicles. These cost less to maintain. Furthermore, they will also go for vehicles that have better safety features.

Auto insurance companies understand these and therefore give ladies lower rates all other things being equal. However, some insurance companies will weigh your gender more than others. This will translate to a lower quote all other things being equal.

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

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

Women should look for special products that protects them further. An example 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 make huge savings in your car insurance despite your gender or circumstance...

All that you are expected to do is visit at least three quotes sites and getting Los Angeles CA auto insurance quotes from them. All you have to do after that is pick the best quote from all quotes. Just make sure you supply your true details at all sites visited. Obtaining 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 rate).

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