Auto Insurance for Males Florida FL
Reader’s Question:
I am 22, male and a graduating college student at the University of Florida, but I am a resident of Miami. Why does my younger sister (19 years old) have a lower rate insurance policy quote than me when I am a more responsible driver than her? She comes home drunk almost every night. I’m perplexed by these sexist standards.
Richard
Miami, Florida
Good for you, Richard! You give 22-year-old male drivers a good name. Unfortunately, most of the male drivers your age have a different opinion of what constitutes being an ideal driver. As stereotypes go, college age kids are most aggressive when behind the wheel and more likely to get into accidents, thus sucking the cash out of the car insurance company’s hard earned profit. So, for as long as there are many testosterone-induced accidents, you can’t be awarded lower premium.
However, there is hope. In three years, you will be 25. That will make your sister 22 years old. And you know what that means? Another algebra problem involving age differences! Just kidding. Actually statistics show (Oh, it’s too bad statistics can’t separate the good male drivers, the bad male drivers, and the bad-female-drivers-who-happen-to-be-your-sister) that when you get to 25, the data is more or less the same. So, when you reach this age, the chances that a male or female driver is involved in an accident are almost the same. Therefore, you can enjoy lower car premiums by then. Well I would like to think that the reason why statistics even out by that age is that the college age “evil” drivers are dead by that time. Or as I’ve watched this humorous video clip, it is because when we reach 25, we go to this second puberty, where all of a sudden we have this urge to drive safely.
And if your sister comes home drunk every night, one of these days, she’ll get caught and be convicted with DUI. And Florida law states that she can have her license revoked, either be sent to jail or do community service. Best of all she will be charged higher premiums! You don’t have to envy your sister, anymore!
Tags: auto insurance premium, DUI, Female Car Insurance, women car insurance
Shopping for Auto Insurance Florida FL
Reader’s Question:
I have had multiple speeding tickets and am worried that my auto insurance provider will refuse to renew my policy. What can I do?
Jill
Miami, FL
Auto insurance providers generally will not refuse to renew your policy. They may increase your premiums, though. This is because insurers think that motorists who receive citations are high risk, thus they need to pay more. Motorists who have received Florida traffic citations are given the option of paying the ticket and taking online traffic school. By taking this course, you will qualify for a fine reduction. Your safe driver record will also be maintained since there will be no points on your driving record. This means that your auto insurance provider may not increase your insurance rates so long as there was no wreck associated with the ticket. You can also choose to attend a classroom course on Florida Basic Driver Improvement. This can only be taken once in any one-year period, and not more than five times in your lifetime. This course is permitted by the State of Florida to teach defensive driving techniques.
About your insurance renewal, if your insurer declines to renew your policy, do some more shopping. Auto insurance companies use different methods to determine your risk. You might want to inquire from an independent insurance agent since they usually represent multiple companies. This will save you time because you can find out about many insurance companies and what they offer instead of calling each of these companies individually.
Tags: auto insurance premium, traffic school, traffic violation
