July 11th, 2010 | 
Author: Factors like the type of car you drive, the age of the car, your area of residence and the type of insurance coverage you want are common determinants of the rates you get from providers; there are other determinants like your age and gender.
Through research it has been proven that men record more accidents than female drivers. Women are more careful drivers and attract lower premiums than their male counterparts. This is no gender discrimination but a proven fact using accident statistics as a yard stick.
Age also is a determinant factor. Drivers between the ages of 16 – 24 yrs old are classed as new drivers with little or no previous driving experience. They are also more prone to collisions; they are more aggressive on the roads with little or no regards for traffic laws. Among them are people with more police tickets due to traffic offenses, this is why car insurance providers view them as high risks and give them higher rates to pay for their cover deals.
On the other hand, age 25yrs and above are viewed as mature drivers and providers can always access their previous driving records to determine how disciplined they are on the roads.
Try as much as possible to drive safely and maintain a good driving record. By doing this, the vehicle insurance company will have no option than to give you lower rates for your preferred car insurance deal.
Article Source: http://EzineArticles.com/?expert=Iyke_Phelim
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