Reader’s Question:
I am applying for auto insurance here in Houston. My husband says I have a good chance of getting cheap car insurance. Is he right and why?
Andrea
Houston, TX
Usually, female drivers like you are given better Houston auto insurance than male drivers. Houston auto insurance companies base this on statistics revealing that more male drivers are involved in car collisions and accidents compared to female drivers. This is because female drivers are naturally more careful on the road compared to male drivers who are more aggressive. Since female drivers are more careful when on the wheels, less of them are involved in traffic accidents, making them low risk compared to male drivers.
Houston auto insurance companies will also give you cheaper rates if you drive less miles. Those who have high mileage are more prone to vehicular accidents and damages. Male drivers are known to be more inclined to drive longer routes, so they are considered high risk compared to their counterparts from the distaff side.
You can get cheap car insurance if you drive a car with smaller engine. This limits your driving speed, which means lesser chances that you can get into serious car accidents. Car insurers will give you discounts for this.