Auto (car) insurance is a type of insurance coverage for damages caused or received while driving. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.
All car insurance policy policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for car insurance premiums. Statistically, men are 80% more likely to be involved in an crash, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance prices. The auto insurance premium could be reduced if the teenager has a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and car insurance policy.
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