Automobile Insurance Coverage

Automobile insurance coverage is a necessity for consumer protection in case of damage to vehicles and personal traumas resulting from the thousands of yearly accidents that occur on our nation's highways. There are many sources that offer auto insurance coverage through various policies, rates and benefits. Offering vehicle policies to almost any consumer, most insurers provide policies for high risk drivers, drivers with good records, teenage drivers and senior adult drivers. The important thing for drivers to remember, when shopping around, is to choose a company that is known and recommended. Cheap rates are out there and can be very tempting, but in the end, paying a few extra dollars a month will be well worth it should an accident occur.

A vehicle policy takes into consideration numerous personal issues of the driver. For example, issues such as gender and age can significantly affect initial auto insurance coverage rates for young drivers. A teenage girl of sixteen can receive relatively low rates while her male counterpart will begin with a higher rate. Knowing that statistics show that women overall, no matter the age, have less accidents than men, automobile insurance coverage is offered at generally lower rates to females unless there are mitigating circumstances such as DUIs or a bad driving record.

Other factors can affect rates for adult drivers such as the type of car, geographic location of a drive, and what a driver uses the car for. In order to receive better auto insurance coverage rates, a driver should choose to drive a low profile vehicle. Cars that are sporty, high end vehicles such as certain SUV's, foreign cars and luxury cars automatically cost more in premiums than do average, practical vehicles. Insurance companies view high end cars as hot targets for car thieves and raise automobile insurance coverage rates accordingly.

Some insurers actually have had higher rates for even the color of car a consumer drives. Statistically, red cars are in a higher category of accidents than most other colors and those who drive red cars sometimes pay more for automobile insurance coverage. Geographic location is also a factor in receiving good rates. Rural locations are less likely to incur as many accidents because of less traffic. People living in less populated areas can benefit from the same auto insurance coverage as their city cousins, but pay less for rates. "God is our refuge and strength, a very present help in trouble." (Psalm 46:1)