Car Insurance For Lady Drivers

Car insurance companies prefer lady drivers to their gentlemen counterparts because they are considered as much less risky drivers. It is not that the accident rates of ladies are low. They face as many accidents as males do. However, the damage caused by them is not as much in most of the cases. So, their claims after the accident are also less. That is why on an average women’s car insurance premiums tend to be 30% lower than that of the male counterparts having same demographic profile.

They drive at speeds lower than men. Hence, accidents caused by lady drivers are not serious. So, even if they might claim as often as males do yet, in all they claim less amounts, giving insurers lesser premiums. Since the male drivers drive at higher speeds so even if they crash on their own, the loss is high. In case, the accident involves two vehicles in high damage state, it becomes an insurance company’s nightmare.

A lady is regarded to be a better risk right from the age of 17. There are many premium discounts available for a young lady driver, like pass plus certificate. It is a series of extra lessons that a young lady driver learns following their test. It can gain you a discount of around 30% for the first year.

Some car insurance companies specialise in auto insurance for women drivers. Literally, these companies try to insure women drivers only. They don’t even encourage getting a lady insured with her husband under combined policy. Because they can’t give too much discount, as they have to think about her husband’s high risk factors as well. So, they would prefer woman with woman. It means providing less risk in total, meaning lower premiums in total. That really clicks for them.

So, the calculation is simple - the lower premiums might mean that they don't make much profit. However, if they can get as many women as possible, then the volume of business can go high. Look out these companies if you are a woman. Lady car insurance quote includes legal cover as well. It helps you to claim back your excess from the third party in the event of a non-fault claim. You can further lower your premium by parking your car overnight in the garage, by getting extra driving license course, and maintaining a good driving record.

About the Author:
Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of car insurance http://www.insure121.com/uk-car-insurance.htm in the UK.
This article was posted on January 17, 2006
Article Source: articlecity

Tips For Staying Safe While Driving

- Avoid driving alone or at night.

- Keep all car doors locked and windows closed while in or out of your car. Set your alarm or use an anti-theft device.

- If you must shop at night, park in a well-lighted area.

- Avoid parking next to vans, trucks with camper shells, or cars with tinted windows.

- Park as close as you can to your destination and take notice of where you are parked.

- Never leave your car unoccupied with the motor running or with children inside.

- Do not leave packages or valuables on the seat of your car. This creates a temptation for thieves. If you must leave somehthing in the car, lock it in the trunk or put it out of sight.

- Be sure to locate your keys prior to going to your car.

- Keep a secure hold on your purse, handbag and parcels. Do not put them down or on top of the car in order to open the door.

- When approaching and leaving your vehicle, be aware of your surroundings.

- Do not approach your car alone if there are suspicious people in the area.

- Ask mall or store security for an escort before leaving your shopping location.

Stay safe! Visit http://www.UrbanSafetySupplies.com and http://www.HiTechHiddenCameras.com for all of your self defense and security item needs.

About the Author:
Robert Young is the owner and operator of Urban Safety Supplies and Hi-Tech Hidden Cameras. Stay safe! Visit http://www.urbansafetysupplies.com for all your security item needs. Stun guns, pepper spray, personal alarms, and more! Also visit http://www.hittechhiddencameras.com and see our hidden cameras and surveillance equipment.
Submitted: 2006-02-05
Article Source: GoArticles

Drunk Driving Accidents

First, let us acquaint ourselves with some alarming statistics: 250,000 people have died in alcohol-related accidents in the past 10 years; 25,000 people die each year in alcohol related accidents; 500 people are killed weekly and 71 people daily in alcohol-related accidents; one American life is lost every 20 minutes in an alcohol-related car crash; and one out of every two Americans is likely to be involved in an alcohol-related accident in his lifetime. Every year, 708,000 persons are injured, 74,000 of them seriously, in alcohol-related crashes. About 2,000 people receive injuries each day in alcohol-related accidents.

A recent study reveals that alcohol-impaired drivers cost American taxpayers $21 - $24 billion dollars per year. According to a recent National Geographic report, alcohol abuse costs American society $136 billion and 65,000 lives annually.

The rise in the number of accidents often goes hand-in-hand with binge drinking, meaning having at least five drinks at a time. Binge drinkers were 13 times more likely to report driving while they were alcohol-impaired, and most of them admitted they often had far more than five drinks per binge.

If you receive injuries in a drunk-driving accident, you may be entitled to compensation from the drunk driver or his insurer. Under certain circumstances, even injured pedestrians and their close family members are entitled to receive compensation. Such compensation usually includes payment for medical treatment, past and future lost income, and emotional distress damages.

In some limited instances, the injured person is entitled to get recovery from the provider of alcohol to the driver, usually a bar or restaurant. Such cases against third parties are, however, more complicated and difficult to prove. Punitive damages are meant to punish malicious or reckless drivers, and to deter such conduct in the future.

About the Author:
Josh Riverside
Drunk Driving provides detailed information on Drunk Driving, Drunk Driving Lawyers, Drunk Driving Accidents, Mothers Against Drunk Driving and more. Drunk Driving is affiliated with Cancer Treatment Centers.
Article Submitted On: August 21, 2006
Article Source: http://EzineArticles.com/