Auto Insurance Quotes Online Indianapolis Indiana IN
Reader’s Question:
I’m Bill, 24, a skillful and safe driver from Indianapolis Indiana IN. I can’t understand why auto insurance companies charge more to males below 25 years of age than to females of the same age group. I’d appreciate it if someone explained it to me.
Bill
Indianapolis, IN
Welcome to the club, Bill! There’s a large club of gentlemen under 25 who shout “Unfair!” with clenched fist over the way auto insurance companies charge them vis-a-vis ladies under 25.
In Indianapolis Indiana IN and all other parts of the US, auto insurance companies are one in saying that they have hard statistics to show that far more men than women below age 25 are responsible for road mishaps.
You know how it is, Bill. Auto insurance companies regularly collect data on automobile accident reports, put them in a computer database, and do analysis. This is not saying all guys under 25 in Indianapolis Indiana IN are reckless and, therefore, high risk drivers. There are exceptions — like you, for instance. But when their actuaries do auto insurance premium calculations, they apply the rate to a class of people, not to individuals. So if you happen to be in the class, you’re charged a rate applicable to that class. It seems that the exceptional few good men absorb the sins of their not too righteous brothers.
But this can’t stop you from finding better auto insurance premium rates. I invite you to enter you zip code on the form provided in this page. Click the link to pages showing comparative auto insurance prices. And be prepared to smile.
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