How does gender, marital status or age affect my auto insurance premiums?

How does gender, marital status or age affect my auto insurance premiums?

James Bell (Publisher, Auto Reviewer) gives expert video advice on: How do I find the best auto insurance coverage?; What key factors should I look for when choosing an auto insurance company?; How does gender, marital status or age affect my auto insurance premiums? and more...

Your gender, marital status and your age are all key components when setting the premium by the insurance companies because those three factors tell a lot about your potential risk. Your gender: generally younger males are going to be a higher risk. Marital status, whether you've settled down and possibly have a family, which is then going to impact the sort of vehicles you're going to be driving, and, of course, your age because a younger driver is potentially going to take more risks than an older driver. It has been statistically proven that drivers of a certain age and gender are a much higher risk to insurers.