The following are answers to two of the most commonly asked car insurance questions:

“In what way will the points on my driver’s license affect the rates on my car insurance?”

In essence, the more points you have on your license, the higher your premiums will be. If you have unfortunately been at fault in an auto accident or if you have been ticketed for a moving violation you will receive points on your license. The amount of points depends on the nature of the violation. Getting too many points on your license will result in higher insurance premiums until the points get removed from your record. This will take a minimum of three years from the time you get the ticket or get a conviction.

You can get points on your license from certain minor violations. These are things like not wearing your seatbelt, failure to yield or not showing proof of insurance. This also includes tickets for speeding or improper lane usage. Your insurance premium will get higher with each point increase.

Major violations will cost you even more. This would be if you simply do not have insurance on your vehicle, leaving the scene of an accident, reckless driving or failure to stop for a school bus. Any of these violations can raise your rates by up to 30%.

If you have any serious or criminal offenses such as DUI, racing, vehicular manslaughter or criminal negligence you can expect your car insurance to cancel your policy altogether.

Here is another one of the most commonly asked car insurance questions:
Why is it that men are charged higher rates than women for car insurance?”
Statistics show that men below the age of 25 are the ones who make the most claims. In comparison to female drivers, men are actually at double the risk of women for being part of an auto accident. These very same studies also tell us that for each woman to die in a car accident there are three men who will die because of an auto accident.

These statistics are the cause for the higher rates that men pay for their car insurance. Statistically, women are safer drivers than men. Insurance companies see men as being higher risks for making claims. It is possible that women are more careful and cautious when they are driving which leads to less females being involved in accidents.

Some people say that these statistics are a result of testosterone, and the fact that males would be more likely to speed and show off.

There are some who argue that these statistics are not a valid basis, since there are more male drivers out there to generate more statistics than there are women. Also, as the amount of female drivers on the road begins to increase, the amount of accidents for women is also beginning to climb as well. So the future premiums for women may catch up to the premiums for men.

If you need more answers you will find plenty of information related to car insurance questions on the internet.

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Category: Finances
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