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Looking to save money on car insurance? Get direct car insurance quotes online! When you buy your car insurance directly from an insurance company, make sure that you select matching uninsured and under-insured motorist coverage and the maximum medical payment benefits.

Single females are treated more generously than their single male counterparts simply because of their more favorable driving statistics. On the average, single females pay 25 percent to 35 percent less than single males in each of the age categories. They are even given the adult/married rate classification at the age of 25 whether they are married or not. However, even though single females receive a better premium break than single males, the female rating factors can vary considerably from one company to another, so make sure you compare at least 3 direct car insurance quotes before you buy a policy.

This permits even more savings for those who take the time to shop around. For example, the under age 21 group’s rating factor can vary from a low of 1.75 to a high of 2.25, which means that their final premiums can range from $630 ($360 X 1.75) to as much as $810 ($360 X 2.25) for a 22 percent annual difference.
Single females aged 21-24 have a rating factor that may vary from 1.40 to 1.75. Their final premiums range anywhere from $504 ($360 X 1.40) to $630 ($360 X 1.75)—a 20 percent difference.

Once a woman marries or turns 25, she immediately qualifies for the 1.00 adult/married rate factor, even though married males have to wait until age 25 to receive it and single males must wait until age 30.
It is interesting to note that certain insurance companies give an additional discount of 10 percent to single females aged 30-64 who are the only licensed drivers in their households. In those cases, the rating factor is lowered to a .90, which, modifying our standard example, would produce a final premium of $324 ($360 X .90). Again, it’s advantageous to shop around.

The final age classification is for senior citizens of either sex who are age 65 and older. They are eligible for a discount of about 10 percent, which produces a rating factor of .90 and a final premium of $324.
Newlywed males under age 30 and newly married females under age 25 should notify their insurance representatives of their marriage promptly if they don’t want to risk the chance of not receiving the adult/married rate on their next renewal period. Insurance representatives must be updated on the vital changes that affect your overall insurance rates.

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If you neglect to inform them of these significant changes, chances are that you’ll deprive yourself of many sizable premium discounts and credits, such as the adult/married discount, the multi car discount (insuring two or more vehicles on the same policy), the low mileage discount (driving less than 7,500 miles annually), and the limited usage discounts (driving for pleasure and limited driving to work). The combined cost-reducing effects of these discounts can save you well over 50 per-cent on your direct auto insurance quote and premium each and every year.

Females under age 25 or males under age 30 can easily lose the adult/married discount if they are divorced. If you have been divorced recently and fall into these age and sex categories, your new single status could be brought to your insurance company’s attention through your own representative if you change cars or your address. If you apply for a policy with a new company, your new single status would become evident.

However, if there are children involved in the divorce, the party who is given their permanent custody may be able to retain the married rate while the other party is considered single again and rated accordingly. But keep in mind that although all insurance companies treat divorce in the same manner, they do not all give married status to the party who retains the children. Therefore, if your insurance company isn’t lenient in this regard, I advise you to shop around for a more liberal company in order to save your rate classification plus a lot of premium dollars. Get direct car insurance quotes now!