For instance, a year-old male driver will most likely pay more for insurance than a man who's 10 years older.Ladies Looking Real Sex Lawai
What may be shocking, however, is just how significant these premium swings can be -- with age being just one of several factors. For the second year in a row, a study commissioned by insuranceQuotes found that car insurance premiums, on average, can vary by more than 50 percent based on age, gender and marital status. This article was originally published on insuranceQuotes.
According to Mike Barry, spokesman I admit my fetish the nonprofit Insurance Information Instituteinsurers have long been interested in the way marriage, gender and age may affect insurance rates -- and the general consensus has been resounding.
According to the study, marital status is almost as significant in car insurance pricing as age and gender. On average, a married year-old pays 21 percent less than a single year-old for the same policy.
The difference gets more pronounced when you divide it by gender.I Want Sex Blanche Town
A single year-old male will pay 25 percent more for auto insurance than his married counterpart. Premium differences between married and unmarried drivers drop off significantly as they get older. For instance, a single year-old just pays Old as the adult personal girl 52 commerce 52 percent more for auto insurance than a married year-old.
Eli Lehrer, president of the nonprofit research group The R Street Institute, says, "Marriage really does make people more careful and responsible For example, a recent study by the Centers for Disease Control and Prevention CDC found that married men are more focused on taking care of their health than single men.
What's more, Lehrer says married people are also a better business opportunity for an insurer, since they are more likely to own homes and "far, far, far more likely" to buy life insurance. Without exception, young drivers pay more for car adylt than any other demographic -- and there's a very good reason why.
King Dickinson sex xxx According to the CDC, crash rates per mile driven for to year-olds are four times higher than those of older drivers.
Bob Hunter, director of insurance at the Washington, D. For example, according to the study, a year-old driver pays 41 percent more than a year-old driver for car insurance.
Also, premium costs don't stop dropping at According to the study, premiums begin to stabilize around 25 years old, but they fall by another 18 percent until they bottom out around age For instance, a year-old single male driver is paying, on average, 59 percent less for auto insurance than his year-old counterpart.
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The difference for women is 51 percent. For instance, in Massachusetts, a year-old married woman will pay a whopping 51 percent less than a year-old married woman in that state.
Meanwhile, in Hawaii, a year-old married woman will pay just 2 percent less than her year-old counterpart. For instance, according to the Hawaii Department of Commerce and Consumer Affairs' Insurance Division, Hawaii is the only state that doesn't allow insurance providers to consider age, gender or length of driving Old as the adult personal girl 52 commerce 52 when determining premiums, which accounts for Lonely wife wants casual sex Townsville negligible difference zs premium costs.
Also see: Here's the bottom line: Women are statistically safer drivers, which means they're also less likely to file a claim than men. Therefore, they generally pay less for car insurance. According to the study, a single year-old male driver will pay 21 percent more than his female counterpart.
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The good news for men is this difference begins to drastically level off as male drivers get older. For instance, a single year-old male driver will only pay an average of 4 percent pereonal for auto insurance than his female counterpart. What's more, between the ages of 30 and 50, men actually pay slightly less for auto insurance than women.
Experts aren't entirely Old as the adult personal girl 52 commerce 52 why this is the case, although Lehrer thinks it's most likely an insignificant difference. Nonetheless, Hunter says, "At the end of the day, young men are less cautious, riskier, more distracted drivers. The study also accentuated the fact that three states -- Hawaii, Massachusetts and North Carolina -- prohibit gender from being used to set auto insurance rates.
Three other states -- Michigan, Montana and Pennsylvania -- apply the same Od factors to men and women, which is why there is no difference between their rates due to gender. Big factors that affect car insurance rates--do men really pay more? Whether you're a man or woman, married or single, here are four tips for reducing your auto insurance premium.
pesonal Most insurers will offer a discount of up to 20 percent for young drivers who maintain at least a B average a 3. Many major insurers -- including Allstate, Progressive, State Farm and Liberty Mutual -- offer discounts based on how well, how far and how often you drive.
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It's a voluntary incentive and can save you as much as 25 percent on insurance. Auto insurance is not meant for everyday repairs. If you file many small claims over the course of three persomal five years, your insurance company may not only raise your premium but could cancel your policy.Do You Love Your Man Just Not Getting All You Need
Laura Adams is a personal finance expert, award-winning author, host of the top-rated Money Girl Podcastand senior insurance analyst for insuranceQuotes, a Bankrate company. For more on auto, home, health, life, and business insurance, click here.
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It's a well-accepted fact that car insurance premiums vary between certain demographics. And a 5 year-old woman will pay 28 percent more than her married counterpart. So why do insurers consider married people a lower risk when it comes to pricing auto insurance? However, don't expect your insurance rates to drop at midnight on your 25th ad. When it comes to how age impacts insurance premiums, not all states follow the national average. Suggest a correction.