Female Car Insurance Scottsdale Arizona AZ

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Reader’s Question:

I have a sister that has her own car insurance in Scottsdale, Arizona; I realized that my rates are higher than hers. Why is it that males pay more for car insurance than females?

Leonardo

Scottsdale, AZ

Prices for car insurance differ from company to company. It is usually determined by claim experience over time, but with all factors considered being equal, a female between the ages of 18 and 25 will generally pay less then her male counterpart. This is because generally speaking, younger women have lesser accidents and moving violations than males in the same age group.

The reason that this is the case is because males on an average drive more than females and if you drive more then your odds of being in a car accident increases. In addition, young men are more often risk takers behind the wheel. This often results in moving violation tickets and both of those factors result in higher premiums. Gender really does affect your insurance rates in Scottsdale, AZ, because statistically female drivers have less incidents than males. Just like location (except in the State of California), marital status, and driving history affects your insurance rates. But now for the good news, most car insurance companies recognize that because you did drive more as a young man that when you are a bit older and your driving experience grows, you can look forward to paying less than what women pays. This is most especially true if you have a good driving record and no claims.

You can check for any discounts to get a lower car insurance premiums such as safe driver discounts, safety features, multi-line, if you have homeowners and car insurance through the same company, etc.

Tags: auto insurance premium, cheap auto insurance, Female Car Insurance