The accident statistics do not lie the DGT, women have a lower risk of causing accidents or being involved in one. Men are the highest accident record (4 out of 5 deaths and 3 out of 4 injured in road accidents). As
a general rule women are more cautious when they are behind the wheel,
so car insurance companies offer lower premiums under the lower claims.Not
only are more careful driving but also choose smaller displacement cars
and tend to drive less frequently than men, so the possibility of
causing an accident and the potential damage of lesser importance.
However,
following the opinion of the Court of Justice of the European Union
that outlaws that sex can be a source of differentiation in the price of
insurance, insurers may not offer different premiums to men and women
in the car insurance , life and health, when differences were recorded before arriving up to 33% on the final price.
The car insurance premiums for women will consequently increased their amount. According
to a report commissioned by the CEA, the European insurance employer,
which attempts to assess the economic consequences of the implementation
of the European directive that establishes the disappearance of gender
differences, which are classified as direct discrimination, one of the
first consequences will increase the price of car insurance policies for women. Quantified increased by 11% as GDV, the German Insurance Association.Insurers
aware of the specific needs of this group have begun to offer vehicle
insurance with coverage designed especially for the women. Many
of these companies claim to be over 25 and have not lost more than six
points, assessing aspects of history at the wheel adjusting the price
accordingly based on the claims.
To
get more competitive prices can help our car insurance comparison with
which not only saves money, but also time in choosing the car insurance
deal that best fits your needs.ExamplesAmong
the available supply in the market stands Insurance Penelope, a new
brand launched by the Group Hotline offering coverage to address the
peace and safety of the drivers, but can also be contracted by men. This
insurance is intended to make life easier for the insured, particularly
as related to roadside assistance, field repairs, workshops and
specific allowances.
Coverages
offered highlights of theft bag inside the car, offering compensation
of up to 200 euros and the management of low credit cards. Penelope
offers roadside assistance for pregnant women, in case of indisposition
for this contingency, are responsible for the insured and take your car
to a medical center or to their home, as required. Car service also offers Agenda, helping to save time conducting, managing the agenda revisions of your car. In
the repairs, the insured will have free choice of workshop and the
assurance that your car will be washed and vacuumed after repair.Other
highlights include the additional cover legal assistance on various
topics such as labor law, fiscal or civilian vehicle repaired in situ,
wherever possible and collection and delivery services vehicle, crane
urgent (roadside assistance unlimited mileage) and replacement vehicle, among others.
Another
policy to mention is the Policy We Pelayo, to suit the specific needs
of everyday women and among other features the following
Insurers
stipulate the price of a policy for car insurance based on the risk
they are willing to assume and the coverages that protect the insured
for each claim.Knowing
a little more detail the way in which insurance companies evaluate the
risks and therefore premiums receivable, we try to get our insurance pay
less.
Risk Factors
Insurers use up to 30 variables to calculate the price of their insurance company and each given a specific weight. By
a calculation involving all these factors, we obtain a result that
allows to know the premium to be paid by each driver to insure your car.We can divide the various factors affecting the risk as they relate to the driver or the vehicle:• Factors associated conductor: Age, length of your license, marital status, area of residence, bonus, claims history, etc..
For
example, the age of the driver each insurer classifies drivers by age,
sections must not be the same for all, and each is assigned a risk
characteristics and a fee.Similarly, the price is different for a single man to a married woman. In general, women are more cautious than men, a married person is usually more responsible.Keep in mind that the variables related to the history of accidents are the most affect on car insurance rates.•
Factors relating to the vehicle: make, model, engine, performance,
overnight parking in garage, use type, annual miles, etc ...
The risk of an accident at high speed is much higher with a car of 300 hp with a 60 hp utility.It also influences whether the car is parked in a garage or on the street.Since
the premium depends on these factors, we are required to notify the
Company of any change in any of these factors to determine whether it
corresponds to an increase of the price of the policy or not. In the event that there is an increase in risk is likely to pay an additional amount.
Save the car in a garage
Having
parked the car on the street means more risk of it being stolen,
scratched, etc.., From that of someone who keeps the car in a garage.While
it is virtually impossible to prevent theft or damage to the vehicle in
a garage, it is obvious, however, that the risk of an accident
occurring is much smaller.Therefore,
insurance companies (some, not all) make a distinction if the car is
parked in the garage one day, or only at night, or both at once. Moreover, there are companies that make a distinction between whether the garage is is individual or collective.Essentially,
the probability of theft in a communal garage is much greater than in a
single garage, because the thief needs a lock'' force'' extra, which
gives access to the single cabin where the car is parked.How it affects the price to park in a garage
#The discount applied to the premium is different and depends on the insurance company to the policy we hire car. The discount rate we apply mainly vary if the garage is individual or collective, if it is covered or not. Insurers
discounts apply uneven, considering where you park during the day and
at night where, although many insurers, all we ask is the type of
garage.The
cost of renting a parking space, especially for those living in a big
city, it will be difficult to offset the discounts that we can do our
insurance company. However it is an additional factor to consider in deciding whether to rent or not, certainly not everyone has come to raise.
