Factors To Consider About Lady Student Car Insurance
Your gender plays a very influential role in determining the cost of your coverage. Since you are female, you automatically get cheaper rates.
On the other hand, your age could count against you. Young drivers are considered to be high risk by most insurance companies primarily because they’re expected to be fresh drivers with no driving records or histories. Without these records, car insurance companies would have to rely on statistical data to draft up a “profile” for these drivers. According to statistics, young drivers
- Tend to make more reckless decisions on the road.
- Prefer fancier, more expensive cars than conservative ones.
- Are less experienced drivers; thus they don’t know much about road rules and laws.
- Tend to ignore wearing seatbelts.
- Get easily distracted by signs on the road.
Because of these reasons, car insurance for young drivers tends to be more expensive.
Where you live also matters. If you live in a town or city where auto theft is prevalent, chances are your insurance coverage is going to cost a lot more than it would if you lived in a variably peaceful part of the state.
Your grades matter, believe it or not. Many car insurance companies put a lot of weight on your school performance because grades tell much about you, not just as a student, but as an individual. Your grades will help them analyze how disciplined, street-smart and responsible you are.
Tips To Help You Find Cheap Car Insurance for Lady Drivers
It’s easy to find cheap car insurance for lady student drivers if you know where to look. There are also ways in which you can squeeze out more greens out of your premiums. Here are some tips:
- Shop around. When looking for car insurance, don’t just settle for the first deal that lands on your lap. Get multiple quotes and compare them so you’ll know which one can give you the best deal. Hit the yellow pages and find out as much as you can about local car insurance companies and the rates they offer. Or you could go online and check out intermediary websites that allow you to compare rates across various companies.
- Ask for a higher deductible. Every driver knows this rule of thumb: the higher your deductible, the lower your premiums.
- Get good grades. Study hard. Enough said.
- Drive a simple car with modest engine. Simple cars cost less to repair and they tend to consume less gas, giving you more savings.
- Maintain a good driving and credit record. You’re not going to be a young driver for long. Start building driver credibility as early as you can. Also, in the future, your credit rating will matter to most insurance companies. The earlier you start maintaining a clean credit record, the better it is for you in the long run.
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