When you are a male driver, chances are that your car insurance is priced much higher than the car insurance plans of your female friends.
Car insurance for men is more expensive because they are considered high risk drivers.
But is there no hope for cheap car insurance for men? Different insurance providers offer their auto insurance at various prices.
Generally, though, the price range for auto insurance was influenced by the history of claims made.
Men drivers have made more costly claims than women drivers.
This is so, because, typically, women drivers are more careful.
Men drivers, on the contrary, have figured into more road accidents and violations.
Men are more accident prone than women, not necessarily because they are careless.
There are a variety of causes why this is so.
For one, at the same age group, men spend more time driving than women.
If you are always behind the wheel, chances of getting into accidents are higher.
The male species are also considered risk takers.
They are known to love speed and beating the red light.
This could result to more mishaps and violations.
The more risk, the higher the price of insurance is.
Women meanwhile are more cautious when driving.
Especially mothers or those driving with their children on board the vehicle, who take into consideration the life they are protecting.
Since females are not as hasty as males, they incur fewer violations; hence the reason for their lower cost of insurance.
Men need not despair, though, as there are ways to get cheap car insurance for men.
Many insurance providers have packages that have discounts.
You may consider the following: 1.
Increasing your deductibles.
Deductible amount is the value that you have to pay out of any claim.
If you could afford to pay for a larger deductible, then do so.
This will eventually let you save money in case you have to make a claim.
2.
What car do you drive? Depending on the type of car, you may be required to pay high premiums or not.
Race cars and new models of cars are most likely to cost you more for your insurance.
While sedan or family cars require lower premiums.
This is so, because the former are more attractive to thieves than the latter.
3.
Reflect on your driving style.
Whether you like it or not, your driving history will factor into determining your insurance cost.
If your record shows that you have had various driving violations and mishaps, your insurance provider will charge you more for your insurance.
So you can never be too careful when driving.
4.
Consider safety enhancements to your car.
Modifications, as long as they add safety and security to your car, will help increase your chances of getting lower priced insurance.
Sure, car insurance for men is inherently expensive.
But there are things you can do to make the odds of getting cheap car insurance for men.
Find the best deal that will suit not only your coverage needs, but your budgeting needs as well.