Reader’s Question:

Can anyone help me in finding a good but car cheap driver insurance woman?

Megan

San Francisco CA

Well Megan I’m sure a lot of men will be very willing to help you car cheap driver insurance womanget car cheap driver insurance woman. As you know for quite some time, women drivers have been the butt of jokes especially by men. The really funny part is in the world women actually have the upper hand. According to statistics women are better drivers since they have less chances of being involved in a vehicular accident. Here are some ways to help you choose a good yet cheap automobile insurance.

Your gender actually qualifies you for a discount. That’s right. Insurance companies give lower rates to women since they are better drivers. That being said, it is always prudent to regularly check your driving record. Even a small traffic violation can increase those rates. You can go to the Department of Motor Vehicles to know if your driving record is clean.

Aside from having a good driving record, make sure that your credit record is also good. Not necessarily spotless, but good. Insurance companies give higher rates to people that have poor credit. If there are any unpaid balances, they make sure to pay them before going to an insurance company.

A woman’s status can also determine if she will qualify for car cheap driver insurance woman. What this means is that married women often get lower premiums that single ones. It is also the same for men. Don’t marry though just to get low rates. It is the other way around. You get to pay low premiums because you are married.

Finally, bear in mind that minimum coverage does not always mean cheaper. Having minimum coverage may mean you pay less for the premiums. But when the unthinkable happens, you will have to shell out more personal money. In the end it actually costs more.

So the next time men tell you a joke about female drivers, just don’t mind it. After all, you have car cheap driver insurance woman.

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Reader’s Question:

What is a California Low Cost Automobile Insurance Program? Who are eligible?

Marge

San Francisco CA

The California Low Cost Automobile Insurance Program is a way to address the problem of uninsured drivers in California, proposing the theory that most uninsured motorists go without car insurance due to the cost, and that if affordable coverage was available, many motorists would buy it.

The program is administered by the CA Automobile Assigned Risk Plan and policies are written by California Insurers.

Qualified applicants should:

  • be at least 19 years of age or older and a continuously licensed motorist for the past 3 years.
  • qualify as a good driver.
  • have a car currently valued for $20,000 or less
  • meet Income eligibility requirements.

If you want to know more information regarding CA Low Cost Automobile Insurance Program contact California Insurance Department.

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