Certain personal characteristics affect the prices consumers receive for Auto Insurance Quotes in Sarasota FL. Some of those characteristics can be changed relatively easily while others cannot. A person with a habit of racking up a couple of traffic citations each year can decide to become a safer driver. But characteristics like age and gender also factor into underwriting determinations. So does marital status, and it’s not particularly advisable to get married just to pay cheaper auto insurance.
Safety Considerations
In only six states, gender is not used as a factor when calculating car insurance quotes. Florida is not one of those states, so underwriters use the statistics showing that young, unmarried men are less safe behind the wheel than other population groups are. They tend to be less cautious and more easily distracted. Men under the age of 25 are more likely to cause vehicle collisions and they receive more traffic tickets than women in that age group do.
This can be frustrating for young men, but the good news is that rates start to drop dramatically by a man’s mid-20s. By the time he reaches the age of 30, if all other factors are similar, he will pay only slightly more than a woman of the same age.
That continued higher rate for Auto Insurance Quotes in Sarasota FL is connected with certain tendencies. Men are significantly more likely to drink and drive, and to be involved in a serious alcohol-related accident. They tend to be more aggressive on the roads and they are more likely to drive much faster than the posted speed limit.
Type of Vehicle and Occupation
Insurance underwriters also look at the type of vehicle the person drives. When a young man drives a sports car or muscle car, they consider that an even greater risk factor. Occupations factor into the calculations. Jobs that require unusual hours or high stress, or are associated with sleep deprivation, are red flags.
Since every insurance company has different parameters, it’s advisable to shop for quotes from an independent agency such as Millennium Insurance and Investment Group of Florida. More information on this particular agency can be seen at.
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