Cheaper auto insurance for female drivers

Interesting article about auto insurance for women

The fact that women are safer drivers than men has been proven by recent insurance rates data.

Of course, this doesn't mean they are guaranteed low rates with the first quote they get. In order to find the best deal, women also need to shop around and compare rates.


It may still be a mans world, but not as far as car insurance is concerned. Men are in fact almost always paying more for their car insurance than women

But why do women enjoy lower premiums?

Officials reports suggest that women are less likely to be high-risk drivers. Apparently, women are far more likely to obey traffic codes, drive responsibly and comply with their auto insurance requirements.

Men tend to be more irresponsible drivers. Women, however, are unlikely to break the law intentionally. It is much less likely for a female driver to jump a red light or overtake dangerously.

Do women drive more safely

Statistics show that yes, women are safer drivers than men. There are two main reasons for that, women are usually more observant and responsible. Road signs and other drivers behaviour, are things women pay more attention to. It comes as no surprise that being observant means less accidents are caused by women. Statistics have shown men are the cause of accidents more frequently than women by more than 50%.

Being extremely protective is a characteristic most women have. It is very common for women to use their cars to drive their kids to school. The first thing they think of is the safety of their kid, and this makes them more careful.

Not only are women protective of their children, they are protective of their jobs. In our day and age, it is harder for them to climb the corporate ladder. Taking time off as a result of an accident may well jeopardise their position. So, being a careful driver is essential for every mother and working women.

More and more dads are staying home and more women are pursuing a career, so things may change in the future. But for now, women have the right to demand better car insurance rates.

Here are more articles on the subject:
cheap car insurance for women
women pay less for car insurance

SR22 Form CA All you need to know

California Insurance Proof Certificate

Insurance policy which requires the filling of an SR22 form is often called a SR22 insurance. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are required to show a proof of financial responsibility. Its important to know that a copy of your insurance or your insurance card can not replace an SR22 form and will not be accepted by the DMV as a sufficient proof.

The minimum liability insurance requirements in California are:

* $15,000 for injury/death to one person
* $30,000 for injury/death to more than one person
* $5,000 for damage to property

Who needs SR22 Insurance in California?

There are two main reasons why you may be required to file a SR22 form. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. The second is for being involved in an accident while driving uninsured.In both cases your driving privilege will be suspended. As you probably know, California has one of the toughest car insurance laws. You will have to participate in a DUI program, but the worse part is that DUI conviction may even mean going to jail. One year without a license is the punishment for driving uninsured.

Maintain a proof of financial responsibility

The period, during which maintaining a proof of financial responsibility is required, is 3 years. You will have to pay a fine in order to get your license reinstated. On top of everything, during this period you will be put in the "high risk" drivers group.SR26 form will be submitted to the DMV if you cancel your insurance or your filling period expires. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.

Another important point is that California SR22 insurance is only valid for CA, because SR22 is state specific. Moving to another state will mean that you will need a different policy.

The reality of the situation is that SR22 means higher insurance premiums. That's why it is very important to shop around and find the best deal.

For more information about SR22, please visit:
SR22 Form
SR22 Insurance

My buddy Ronny was driving with no insurance

My father James was driving without insurance. I should have never giving him the car.

How often is it that cops check if you have insurance? Its never happened to me, that's for sure.

Of course he will be fined but there is more. Now he needs SR22 to get insured. Don't know what that is exactly myself. Found some articles SR22 Form, SR22 Insurance and SR22 - what is it?.

From what I gather, if he does it again he may go to jail. I know that driving without insurance is illegal, but didn't know that the penalties where that severe.

I could have been even worse if he had an accident or something. May be even drink driving without insurance - doesn't bare thinking about it

I still can't believe he did such an idiotic thing. Definitely the last time I'm giving him my car

Driving with no insurance in Florida is a crime

Driving in the Sunshine State without car insurance? What will happen to you when you get caught? Do you think you don't really need a car insurance just because you are a good driver?

First of all, lets make one thing absolutely clear. In Florida, as in each and every American state, its illegal to drive without insurance.

It is a punishable offence in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges. Regularly, police officers do check drivers' auto insurance policies.

Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up tothree years or until you provide a proof of Florida auto insurance.

Naturally, suspending your driving privilege is only the tip of the iceberg. In order to reinstate your drivers license, you will have no choice but to pay a fine as well.

You will also need a SR22 Form.

You may be given a penalty between $150 and $500, depending on previous traffic violations.

Apart from the fact that its a punishable offence, driving without vehicle insurance in the state of Florida is a bad idea.

One look at the statistics shows that uninsured drivers are at fault in most serious accidents on the roads of Florida.

Think for a minute, even if you are not caught just yet, it is very possible that you may cause an accident and without having insurance you will most likely have to pay a very large amount of money to cover repairs and medical expenses.

There is no question that many drivers in Florida are uninsured. Especially true now given the state of our economy and people's need to save money.

Saving money is one thing, but when it comes to driving in Florida, there is not really a choice - you must be insured.

Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida.

Driving without insurance is not worth the risk.

Find more information about driving auto insurance and SR22 insurance

Toyota recall - Will your car insurance premium increase

Have you been affected by the recent Toyota recall. After making sure your car is safe to be on the road, you most likely asking yourself what will this recall do to your car insurance? Will there be an increase to your insurance premium? Is your cover still valid? Does your vehicle cost less as a result of the recall?

Insurance companies say that your policy will not suffer as a result of the recall. Faulty accelerator can cause accidents and if you are in one, your claim will be accepted and paid. The manufacturer will be the one insurance companies seek compensation from. You will have to pay your deductible and you will receive part or all of it back from Toyota.

Insurance companies, including Allstate and State Farm, are reassuring customers they won't have to pay more as a result of the recall.
When your insurance rate is calculated, the type and model of your car plays an important role.Overall, Toyota has a solid reputation for making safe cars and it would be unfair to all Toyota drivers to automatically start paying more.

Without a doubt, the value of your Toyota will go down. But trying to immediately sell it may not be a good idea. Your car may have lost value, but that fact may in fact decrease your insurance.

Wondering how much exactly has your insurance rate actually changed?
Compare auto insurance quotes in Florida now and see for your self.

Related Articles:
SR22 insurance Florida
Driving without insurance in Florida

Michigan House Passes Auto Insurance Reform Legislation

An insurance trade group says a bill passed by the Michigan House of Representatives threatens to increase auto
insurance costs and harm the state's job market and economy.

The bill package was introduced earlier
this month and quickly passed through the House Insurance Committee.

PCI maintains that supporters of the proposed auto insurance reforms have greatly misrepresented several critical facts about Michigan's auto insurance marketplace, but lawmakers should be aware of the following:

* Credit-based insurance scoring has been shown to benefit consumers because it allows them to secure lower insurance costs.
* Michigan's annual average auto premium for liability and physical damage coverages combined is 12th highest in the nation – not the highest as supporters of the legislation have claimed.
* In fact, personal auto insurers in Michigan suffered a 10-year underwriting loss of 19.2 percent of earned premiums, while their 10-year operating return resulted in a loss of 2.4 percent of premiums.
* Legislation that could drive businesses out of the state would only lead to a further deterioration of Michigan's economy.


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According to Hollowell, Michigan leads the nation in reducing serious vehicle crashes, which are down 54 percent, and Michigan drivers have the highest rate of seat belt use in America: 97.2 percent.

Among other things, the bills will ban unfair credit scoring, offer a low cost policy for the working poor with good driving records, and require insurers to get prior approval before any new rate hikes.

There is reason for optimism that we can find a way to work together, and get something done for the public good.


For more information, visit http://www.michigan.gov/lowerratesnowMichigan House Passes Auto Insurance Reform Legislation

15.12.2009 Florida, Atlanta & Detroit

University of South Florida coach Jim Leavitt grabbed a football player by the throat then struck him twice in the face during halftime of the Bulls' Nov. 21 vs. Louisville game, the football player's father, his high school coach and five members of USF's football program told FanHouse.

A South Florida spokesman said the high school could review the affirmation.

"The South Florida University is aware of the story and are going to review the matter promptly," said Michael Hoad, vice president for announcement. "We are committed to securing due process for everyone involved. To secure fairness, the university does not comment during a review."

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Atlanta Olympic Park Area

New York City has Times Square. New Orleans is known for the French Quarter, and in San Francisco, camera-toting tourists flock to Fisherman's Wharf.

Now, city leaders in Atlanta hope to add Centennial Olympic Park Area and the increasing roster of museums dotting it to the list of popular urban tourism corridors.

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Ford Motor chairman not following Detroit Lions

Detroit Lions Vice Chairman Bill Ford Jr. said Monday that his role with the NFL team has taken a back seat to his duties as Ford Motor Co. presiding. It may be just as well.

Ford was in Washington to meet with President Barack Obama and submit to the Commerce Department a list of recommendations on ways to recovery the economy developed at a Detroit business top.

The younger Ford did speak out about the Lions after they dropped their third game of the 2008 campaign. Talking to reporters after a Detroit Economic Club meeting, he said he was disillusioned in the team's implementation and said fans deserve better.

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