Several prominent members of non-profit organizations such as Consumer Watchdog have spoken out in favor the bill. Their Executive Director, Douglas Heller, said that it should be an easy choice for the governor because of the assistance it will give to low income motorists. He was also adamant that the fact that it wouldn’t prove to be an extra financial burden on taxpayers and the likelihood that it would keep the roads safe should influence the Governor’s decision.

If signed, the AB 1597 bill will add a minimum of five years to the program. The Low Cost Auto Insurance Program only set back motorists around $400 a year and offers basic coverage but only to drivers with near spotless records. The reason why taxpayers don’t have to shell out extra for the program is because any claims that will be paid come from the premiums paid by the lower income motorists. The Consumer Watchdog group paid for a low cost insurance program in 1999 but it didn’t last the distance. This bill is overseen and funded by the Department of Insurance with an Assemblyman by the name of Dave Jones accredited with the bill on this occasion.

Voters said no to Proposition 17 in June as it was the polar opposite to AB 1597

Mercury Insurance funded Proposition 17 which was designed to seriously punish Californian motorists who had a coverage lapse in the previous five years. These people would have been forced to pay a large sum in order to be allowed to purchase insurance again. This is the antithesis of the Low Cost Auto Insurance program which was designed with the motorist’s finances in mind.

Douglas Heller explained the rejection of Proposition 17 by noting that voters were not interested in halting their fellow motorists in terms of getting new insurance. He also feels that the low cost program is so popular because it lowers the number of uninsured motorists on Californian highways and only drivers with good records can

benefit.

A quick review of the Low Cost Auto Insurance program

If you hope to be eligible for the program, here are some of the principle criteria. Your driver’s license needs to be almost spotless with no more than one point on it. You have to be over 19 years old and your income needs to be below the $27,000 barrier annual. If you are in a family of four, then this income should be less than $55,000. Drivers will be covered for $20,000 maximum in the event of an accident, $3,000 for property damage and $10,000 if you sustain physical injury. A vehicle with a value of more than $20,000 also excludes you from the program.

Over 50,000 people can thank this program for helping them get back on the road with 12,000 of these driving today. The program has also lowered the rate of accidents involving uninsured drivers and has paid over $8 million in the last three years. This has been as a result of approximately 3,000 accidents involving at least one member of the program.

Low income drivers need to become more aware of this plan because there are still far too many uninsured drivers on Californian roads. Visit Insurewish.com for tips on car insurance as well as a comparison of insurance company’s quotations.

Although it is true that females are often involved in a higher number of accidents than men, the simple truth is that the majority of the collisions are considered to be minor in nature and rarely cost the insurer much at all.  Most automobile wrecks that are classified as serious predominately involve males.  Major accidents that result in property damage and serious injuries are the most costly to insurance companies, so it only makes sense that providing ladies car insurance is considered to be less risky.

It is no secret that insurance companies prefer to work with clients that have a good credit score simply because studies have proven that individuals with lower credit scores are much more likely to file claims.  Women statistically have better credit scores than men do; so many insurance companies consider them to be lower risk.

When it comes to filing claims, most insurers report that the overwhelming majority of claims involving theft or property damage are filed by male drivers.  While it may be difficult to determine exactly why this phenomenon prevails, it is enough for insurance companies to prefer women over men.

Women may not be treated the same as men in many instances, but car insurance is definitely one area in which the differential treatment pays off.  The good news is that it is quite simple to obtain a free quote and there are plenty of companies that pride themselves on offering cheap car insurance for women.

An acceptable womens car insurance policy must have appropriate coverage levels and yet be priced fairly as well.  There is a significant difference in the premium of an auto insurance policy with a $500 deductible versus one with a $1000 deductible.  Therefore, many women find it appropriate to select a policy with a higher deductible if they are able to afford it in the event of an emergency.

Selecting low coverage levels in the areas of property damage and liability is seldom a good idea.  The difference in the premium is often negligible and one catastrophe could eat up any potential savings.  Womens car insurance should be an adequate mixture of coverage and cost.

Although the lowest premium is often desired, it is still important to look for a company that has excellent customer service ratings and good claim experiences.  Nobody wants to file a claim, but they want to be treated fairly and with respect if they are involved in some type of loss situation.  It is never a bad idea to review ratings and check with the better business bureau before dealing with any company.

Every consumer has heard how important it is to compare multiple quotes, but this is often perceived to be a very time consuming process.  The exciting news is that this does not have to be the case and quotes can be obtained by simply filling out a short online form.  There are many companies out there that have excellent product offerings and it’s amazingly simple to find good womens car insurance.

It is no secret that insurance companies base their rates on potential risk and it has statistically been proven that females are a safer bet for insurers.  As a result, cheap car insurance for women is much more feasible than most people realize.  Although there is a higher incidence of minor accidents amongst the female population, the majority of these have damages that are actually less than the deductible.  Therefore, these minor incidents do not cause any financial damage to the insurance company.

According to statistics from the National Department of Transportation’s Safety Board, females are much less likely to be involved in an automobile accident that is considered to be serious.  Insurance companies find that providing cheap car insurance for women is not as risky as offering low premiums to higher risk clients.  Women have more parking tickets, but have much less moving violations than men.  Insurers are much more worried about speeding tickets and reckless driving and would rather have women as clients than men.

In addition to other factors, it has been reported by the various credit bureaus that women as a whole have better credit ratings than men.  Due to the fact that a credit score plays a significant role in the quoting of insurance, most females find that they receive lower premiums when compared to their male counterparts.

Although there are many places to look for insurance, the easiest way to compare multiple quotes is to fill out a short online form.  Saving money is now more important to consumers than ever before and the economy has lead people to carefully watch every dime.  An excellent way to cut unnecessary expenditures is to find the most appropriate cheap car insurance for women.

Some of the most important items that must be carried in any vehicle include safety flares, a blanket, matches, and jumper cables.  Most break downs are simply inconveniences, but it is always a good idea to be prepared for the worst case scenario.  Drivers that frequent particularly colder areas should realize that a minor inconvenience can turn into a major catastrophe if they become lost and stranded.  Individuals that travel in isolated areas should consider purchasing a GPS device that has the ability to allow emergency officials to track the location.  Jumper cables can often solve most of the problems that would result in a car not starting, so they are quite necessary as well.  The cost of most of these items is fairly negligible, but not having them can be quite expensive or even deadly.

Many potential problems on the road can be avoided by properly maintaining a vehicle, so basic car maintenance is definitely something that any driver must understand.  Oil changes are important and should be completed every 3000-5000 miles depending on the manufacturer’s recommendations and depending on driving conditions.  All fluids, such as transmission, brake, and engine coolant, should be checked frequently.  In fact, it’s not a bad idea to check each level every time the gas tank is refilled.  Perhaps the most important basic maintenance is proper tire care.  Improperly cared for tires can result in blowouts and cause major accidents, so it is important to check the tire pressure fairly often.  The proper tire pressure levels can be found in the vehicle owner’s manual and often can be found on a sticker on the driver’s side door as well.

There are many things that a driver must do to properly prepare themselves for a road trip of any length.  After placing all of the necessary items inside a vehicle and taking care of the maintenance items, a wise female will make sure that they have also retained a policy from a company that offers cheap car insurance for women.

One reason is that statistically women drivers are safer. Women do indeed have just as many accidents as men, but for women it is the small fender benders and men statistically drive at higher speeds and have higher impact crashes that drive up their car insurance costs. The next reason for cheap car insurance for women is that a large portion, almost all road offenses are by men. More tickets equal high car insurance premiums. Lastly women drive a lot less than men therefore their chance of getting into an accident is dramatically lower.

So it is actual true that women get cheaper car insurance than men. The entire discount is based on statistics that encourage the insurance providers to offer lower rates to women due to less risk associated with women drivers. Women are not being offered low car insurance rates just because they are women, there is proven data that insurance companies use to measure the risk.

This does not mean women are better drivers than men. The data is just showing in general that women as a whole are safer drivers than men, so this is why cheaper car insurance for women is available.

Shop for cheap car insurance for women online and get even a better deal on car insurance. You can use a car insurance comparison site to compare a large list of the Nation’s best car insurance providers in your area.

There are 2 options when comparing multiple car insurance quotes for women online. The first option is to view a list Top Insurance Providers and request a quote online. The next options is you can answer a few questions online and have 12 of the top insurance providers bid for your policy online. You can view the 4 best car insurance quotes online instantly. Save up to $650 a year on Car Insurance for Women.