Smart Consumers Carefully Review Alabama Auto Insurance Policies

Guys pay more for car insurance. It’s just a fact of life. Generally speaking, men get into more accidents and get more traffic citations than women. As drivers age, the gap in these costs start to close, but never quite make it back to even, with men always paying more than women.
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When it comes down to it, insurers know that they’re going to have to dish out more for their male clients than their female clients, according to Yahoo News.

Our Montgomery accident attorneys understand that no one really wants to deal with an insurance agency after a car accident. It can oftentimes be quite the headache just to gain the compensation that you know you deserve. You always need a lawyer when dealing with an insurance company in the wake of accident that result in serious or fatal injury. Even when dealing with your own company after an accident.

Sometimes it seems as though you need an attorney just to choose a policy! The male-female issues is just one example. According to a recent study from the National Highway Traffic Safety Administration (NHTSA), male drivers were involved in about 18 million more accidents than female drivers during 2000 through 2009.

During this time, women not only got into fewer accidents, but they were also involved in less DUI issues and were cited by law enforcement officials less often. Male drivers are more likely to speed and to engage in other dangerous driving habits behind the wheel, and insurance companies know this and they’re not granting any mercy.

So how can men work to lower their coverage rates? One of the easiest things is to age. That’s right! All a driver has to do is reach their 25th birthday and they’re automatically granted lower rates. Men who are over the age of 25 are typically safer drivers and are involved in fewer accidents. Experts say that this decrease is the result of driving experience and maturity.

Change might be on its way though. Women are starting to engage in more dangerous driving behaviors behind the wheel now. This is partially because there are more female drivers. Years ago, you would typically only find females in the passenger seat while they allowed their male counterpart to drive. That’s not to much the case anymore.

“In 1963, 40 million motorists in the U.S. were women. Today, more than 88 million women are licensed drivers, almost half of all motorists in the U.S.,” said Loretta Worters, vice president of the Insurance Information Institute (III).

Male or female, insurance companies can be tough to deal with. Oftentimes, they’re thinking in business terms and not in your best interest. If you’re dealing with you insurance company after an accident, make sure you get in touch with an experienced attorney to help you to fight for your rights.

In general, you should choose coverage limits as high as you can afford. Often, substantial additional coverage limits are available for a modest increase in premium. In the wake of an accident, motorists with $100,000 or $200,000 in coverage are going to be in a much better position than those whose policies provide legal minimums.

You may also be eligible for a number of discounts, including low-mileage discounts; early payment discounts; discounts for anti-lock brakes, airbags and anti-theft devices; and discounts for bundling your insurance policies. In today’s online Internet marketplace, comparison shopping can be difficult. Seeking the advice of an agent may result in making a better purchasing decision.

If you have been injured in an accident, call Allred & Allred P.C. at 1-866-942-9315 to speak with a personal injury attorney today.

More Blog Entries:

Alabama Work Zones and Summer Risks for Traffic Accidents, Alabama Injury Lawyer Blog, August 9, 2012

Faulty Warning System Reportedly Causes Railroad Crossing Accident in Huntsville, Alabama Injury Lawyer Blog, July 23, 2012