Car Insurance Quotes For Women

If we really have "Gender Equality", why should us guys have to pay more for Car Insurance than women?

Question: Could you imagine if it were the other way around, and women had to pay higher rates than men? There'd probably be legislation in Congress to stop it as we speak!!! I'm comparing auto quotes online, and it's ridiculous how much a 21 year old guy (me) has to pay just for my demographics. @Colby: But Obama, our first Female president, is about to change that...

Answer: Statistically speaking, young men cause far more accidents than young women. It really rips off the young guys who drive well, though, which I why I think a case-by-case insurance policy would be better.

Is it fair that two people with identical driving records pay different insurance?

Question: Should men be discriminated against? (Car insurance) How about blacks because BEING black is more likely though not necessarily going to have you live in a high crime neighborhood? (home owners insurance) And here's the most extreme I've seen to date: http://www.insurance.za.org/first-for-women-insurance-quote.htm It doesn't matter whether I am get the big end or the little end of the stick, it doesn't seem right to me. I can understand changing insurance rates on the basis of past driving record, but for probable future record? (Yes, I know that homeowners insurance is on the home, not the individual) (Yes, I know that per month, women statistically will claim less insurance payment then men) I know WHY insurance companies do it. I do not know why we LET them do it. I know full well that on average women will file less dollar claims per unit time than men, but this country does not, in general, permit discrimination on the basis of stereotypes ... no matter how valid those stereotypes may be. Do we allow companies to discriminate between men and women when they hire based on whatever statistics the company management may have about who makes better employees (comes to work more often, etc)? No ... we make them operate on the basis of PERFORMANCE. Why do we let insurance companies stereotype us. Doesn't that encourage others to stereotype? Again, I understand why insurance companies do it (they're in business to make a profit). Never-the-less, why do we, as Americans, put up with it?

Answer: NO, nothing the insurance companies do is fair.

I rang up Tesco Car Insurance today and they sent me away?

Question: Hello, I rang up Tesco Car Insurance today, this women spoke on the phone and her first question was asking for the policy number, and then I asked her a question why they increase my insurance and she said everywhere is the same, they are the cheapest, and then she told me to ring somewhere else to get a quote and then phone us back. Thats a good customer service. What do you guys think about this situation?

Answer: Tesco Insurance are brokers. All they do is put you with an insurance company, then claim commission for doing so. If you read through your documents, it should tell you who the insurance company is. It might save some money if you approach the company direct for a quote, either online or by telephone, as you will not then be paying commission to Tesco. It is okay to pay commission to a broker if they are giving you good customer service, but showing that they aren't really bothered about your business is not good customer service. I would always advise people to shop around at each renewal date as insurers constantly change their prices, and while Tesco may have been the cheapest in the past, they may not be the cheapest now. I would try a price comparison web site to get an idea what other companies are charging. If you get a better deal, take it. If not stick with Tesco. The person you dealt with is one of many employees and like everywhere else, there are good and bad employees. You can't assume that the company as a whole is a bad company to deal with based on your dealings with one member of staff. Next time, you could speak to another employee and get excellent customer service. I agree that the cost of insurance across the entire market has gone up though. Insurers make their money by investing. The country is in a financial mess at the moment and insurers are not making the profits on investments that they used to. The cost of car repairs, insurers operating costs and staff wages has also increased. All these increases have to be passed on to the customer.

Is there any reason why i can't add someone to my car insurance?

Question: If i add my sister to my car insurance, because she is a woman and older with lots of driving experience it will lower my insurance quote simply because she is on there. But does she need to actually use the car, or can i just get her added to the car for the saving. I know the insurance company wouldn't necessarily check but if i needed to make a claim could they dismiss it if it was uncovered the additional driver never used the car or intended to use it. We also live in different houses, will that make a difference, as from quotes i have done it doesn't usually ask for a second address, could i say she was living with me for insurance basis? Thanks in advance. To Sal: Yes but you are a woman, you're already a good driver and get cheaper insurance, guys ones are seriously inflated and without having her added it would be around £850. With her at the most £750.

Answer: The usual rule of thumb is: "the more drivers, the higher the premium". However, there are instances (ie Insured & Spouse driving) where this combination is cheaper than Insured Only. If the quote does work out cheaper with your sister on the insurance, it's irrelevant whether or not she actually ever drives the car or not. Just remember you must disclose all relevant details (ie claims, convictions, medical conditions etc) when obtaining your quotation as failure to do so could invalidate your policy.