Travel Insurance 24

When people become involved in a relationship they often decide to live together. Living together often leads to people combining their auto insurance policies in order to try to save money on their monthly expenses.

In most instances it may not be a good idea for a woman to add her boyfriend or fiancé to her auto insurance policy before they get married. This is because there is more risk involved when an auto insurance company insures a man than a woman. Men usually avoid wearing a seatbelt while driving. This may be due to wanting to seem tough or because they forget to buckle up. Statistics have shown that more men get killed in automobile accidents each year than women do. Read more…

Your car insurance rates from companies like Infinity auto insurance will increase dramatically the more traffic violations you receive, according to Chris Bissell of Fox Business.  In the article “Car Insurance Rates Soar as Tickets Pile Up,” there is a comparison of insurance rates with no violations to those who have one, two, and three driving violations.  Violations include speeding tickets, running red lights or stop signs, DUIs or DWIs, failure to stop or yield, reckless driving, wrong way driving, illegal U-turns, running from the police, illegal passing, not using child restraints, and more.

The average premium for an insurance policy with one-car and one-driver last year was $1,119.  That rate increases 18% with just one traffic violation to $1,318.  Cheap car insurance gets even harder to find after two traffic violations, as the average car insurance paid increases 34% to $1,497.  After three traffic violations car insurance rates are 53% higher than without any traffic violations at $1,713.  The more violations that drivers have, the more likely they are to cost car insurance companies money through crashes and increased claims.  One of the best ways to get cheap car insurance from a company like Infinity auto insurance is to drive carefully and avoid traffic violations.

A DUI or DWI is the worst violation for increasing car insurance rates pretty much across the board.  But car insurance companies do put a different weight on other violations when determining car insurance rates.  State Farm car insurance quotes take many factors into consideration and may place greater importance on some traffic violations over others.  Just about anyone can get car insurance now because competition is so high among insurers, but those with multiple violations can expect to pay more regardless of who insures them.

Car insurance fraud is something that many auto insurance companies face on a daily basis. It is very sad that criminals feel it necessary to take advantage of their auto insurers by staging accidents and filing false auto claims for accidents that they faked on purpose. Law enforcement officials have begun cracking down on people who engage in this type of illegal activity.

In Tampa Bay, Florida law enforcement officers from Hillsborough County took action against multiple assailants who have allegedly staged car accidents. The police involved call their investigation into the auto insurance fraud “Operation No Pain No Gain”. Off Read more…

Women may be better off leaving their boyfriends and maybe even their husbands off of their car insurance policies, according to “He’ll Break Your Heart–and Your Car Insurance Rates.”  Emmet Pierce’s article for Fox Business says that gender is a large factor towards determining your car insurance rates.  A State Farm auto quote, or a quote from another insurance company, calculates insurance rates based on gender for a few reasons.  Males tend to take more chances like driving faster and making risky decisions, which results in more accidents and tickets from police officers.  This is especially true for males in their 20s, resulting in a higher State Farm auto quote.

The Insurance Institute for Highway Safety says that testosterone is likely the reason why men are riskier drivers than women.  In fatal car crashes, men are twice as likely as women to have been intoxicated.  Men are more likely not to wear seatbelts, to speed, to make riskier decisions, and they also tend to drive more miles.  All of these reasons make them more expensive to insurance companies when you compare car insurance quotes.  While it may not be monetarily beneficial for a woman to add a man to her car insurance policy, compare car insurance quotes in the reverse it could work out in a man’s favor.  Most car insurance companies offer a discount when you insure more than one car, so a man adding a woman without a bad driving record could result in a significant discount.  A woman adding a man with a flawed driving record, however, usually loses more in premium increases than any discount she would have received for adding another car to the policy.