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
If
you're thinking about buying a car for those who get an adrenaline rush
when you step on the accelerator and spin the head to the other drivers
and pedestrians, will of course be borne in mind that the car insurance
premium will inevitably increased their more power, more likely to have accidents, higher repair costs and more expensive damage.
Many styles of car associated with personal image. One can see the vehicle that drives like an extension of your personality. When you sit behind the wheel of a high-end car, people form an impression of self-worth and social status. Utilities such as minibuses, more practical and economical can not be presumed in the same way.
According
to the prestigious American website published annually www.insure.com a
ranking of the most expensive car insurance, in 2012 the most expensive
car to insure, it is not a Porsche as had been the standard pattern,
but an Audi R8 Quattro
Spyder GT, a roadster with a 5.2 FSI V10 engine of 560 hp whopping, it
needs only 3.8 seconds to reach a speed of 100 km / h from zero and
costing more than € 160,000.
To
get an idea of the price of car insurance will not be enough to go to
car insurance comparison online and we will see that almost no company
offers an unbeatable price "personally consider appropriate" unless we
are only interested in an insurance a third. Logically these cars require adequate study the profile of the driver. In
any case, for anyone who can afford a car of this type € 2,200 premium
insurance that at least will not have to pay a lot of money.
The ten most expensive cars to insure (2012)
Position Cylinders Model1 Audi R8 GT Spyder Quattro 102 Mercedes CL600 Coupe 123 Mercedes S600 124 Audi R8 4.2 Quattro Coupe 85 Porsche Panamera Turbo 86 BMW 750i Hybrid 87 Porsche 911 Turbo Convertible 68 Porsche 911 Turbo S Cabriolet 69 Mercedes CL65 AMG Coupe 1210 BMW 750Li Hybrid 8
It
is curious to note some theories of evolutionary psychology to suggest
that the choice of car says a lot about how we perceive ourselves. Driving a sports car may be seen as another way of saying, "Hey, look at me, I'm more cool than anyone," especially for men.
It
is known that from the biological standpoint males are more passionate
when deploying any kind of sexual ornaments to attract females, from the
tail of the peacock to the muscles via Gorilla luxury goods humans . These
theories suggest that the high-end sports cars are bought mainly by
single men looking for couples that are considered by insurers as
drivers more accident.
Other theories also focus on the symbols of success. Driving a roadster with an engine of vertigo may indicate that we are looking for status and attention. For
many drivers may indicate that they are chasing a dream, such a car is
considered as the physical representation of success, to show that you
have the potential to buy something that everyone knows that it is
expensive.Driving
a flashy sports car can be a search for status, but there are
exceptions, there are people who truly appreciate the extra quality and
added value that appreciates luxury cars offer the comfort and ease of
driving, no need to boast of their ability purchase.
km car dashboard
It is crucial to know the car's mileage
When buying a car, besides the usual features depending on the tastes and needs of each person, you should consider a number of issues that can save us some trouble. Some are basic, and a good choice in car insurance, and others, especially if the car is second hand, we can escape.
New cars
Security: Of course, you will need to collate and make a comparison between different insurers to find the policy that best suits the car's features and history of parts of each. A quick and effective way to do this is through a car insurance comparison.
Trial Period: If you were to exercise the purchase of a new car, the most common questions are those concerning the benefits offered by the car leaves the factory and not so much the condition of the parts, as is understood to be completely new. However, it is advisable to ask the dealer a trial period to roll the car, not force, at low speed turns and long.
Fuel: One aspect to consider is what kind of fuel is going to work better. This depends on the type of driving of each, while, for example, mid-range diesel passenger cars and 100 bhp offer great performance in terms of fuel consumption.
Timing belt or chain: The chain has a number of advantages as it is very difficult to break (the problems may come from errors in the tensor, not break), takes up less space than the belt and, while it needs to be changed every X miles, not many more than 100,000-, the chain has a much longer life. The disadvantages are summarized in both price-face is more like it is noisier, less flexible and heavier than the belt.
Color: One of the most common myths related to car insurance is to think that the choice of color will determine the price of the policy. Many customers think that, for example, a black car is less visible than a brightly or that red cars are more likely to be stolen. However, none of the major insurers take into account this parameter when making pricing and prefer to focus on factors related to the profile of the driver as your age, gender, driving experience, occupation, previous accidents etc ...
Cars
Mileage: Calculate the life remaining for a used car is much easier knowing the miles traveled has it. Although it is illegal and is not too common a practice, the seller may have "makeup" that figure. One way to check that the car is not too old is to observe the wear on the leather steering wheel and shifter, and the status of the pedals.
The passage of wheel: The wheel arches are the accommodations that are in the bodywork of the cars that allow the rotation of them, while avoiding to project back the water, mud or other of the road. Where irregularities are found in it is advisable to ask the seller to report the damage, because although normally repair plater is not very expensive, whether to repair or axle tire, the price can shoot.
Address: As always, the best evaluation is done by testing the car. If the vehicle goes from one side, this can be by an irregular tire wear resulting from a malfunction of parallel, which also may have been damaged by a bump very abrupt. If, however, shaking the steering wheel can be a problem of balancing wheels.
Timing belt: It is imperative, before buying a used car, check the status of the timing belt and if it has changed recently or not. Although not very likely that a strap breaks, if you do the damage on the car is fatal. Also, the change of the mail distribution is not cheap.
Lighting: During the test the car is important to check the status of the lights, especially the reverse. If this light does not work maybe the bulb is worn out or, conversely, is a power failure the fuse of the march, located on the gearbox, and that the cost of repair is more expensive than it could be assumed .
