If you're a female driver thinking of adding your boyfriend to
your auto insurance policy, you may want to reconsider. If he
doesn't break your heart, there's a good chance he'll do serious
damage to your
car insurance rates
Gender is one of the factors auto insurance companies use to
predict claims costs and calculate pricing. While men and women
aren't truly from different planets, as some pop psychologists
suggest, there is widespread agreement that they behave differently
on the road. Because males are prone to taking chances, they
generally have more citations and accidents. That results in higher
car insurance quotes for males, especially males in their 20s.
On the other hand, a guy can potentially save on insurance by
adding a girlfriend. Here's more on
saving on car insurance by getting a girlfriend
Ladies may be able to avoid some stress in the relationship
simply by asking their significant other to maintain his own
"When you are thinking of adding someone to an insurance policy,
think with your head and not with your heart," advises Dave Snyder,
vice president and associate general counsel for the American
Blaming testosterone for pumped up car insurance rates
Edmunds.com recently reported that men are twice as likely as
women to be intoxicated at the time of a fatal collision. Such
risky driving behavior may simply be the nature of the male beast,
says Russ Rader, spokesperson for the Insurance Institute for
Highway Safety (IIHS). "It just boils down to testosterone."
According to IIHS, far more men than women were killed in U.S.
motor vehicle accidents in 2009. The death tally was 23,726 for men
compared to 10,070 women. That's partly because men typically drive
more miles than women, exposing themselves to a greater chance of
having a fatal crash. However, men also take more chances and speed
more often, the institute reports. The resulting claims costs come
into play when men request
auto insurance quotes
Rader notes that men are also more likely to not wear
Some women mistakenly think that it's necessary to add their
boyfriend to their policy once they share the same home, says Mark
Carrasquillo, an insurance broker in Manhattan. He counsels women
to find out whether merging policies will result in a higher price.
"I say, 'Let me check his driving record first.' You can keep
policies separate. When you add a flawed driving record, the
premium is going to go up."
Among young couples, any multicar discount gained for adding a
boyfriend to a policy usually is more than offset by an increase to
cover the extra risk posed by the male driver, says Derek Ross, an
insurance agent in Woodland Hills, Calif.
Ross explains that price differences vary "from insurance
carrier to insurance carrier and there are some policies that state
that the carrier must be notified if anyone else lives in your
household." In such cases, women must decide whether to have their
boyfriend specifically excluded from their policy, he says.
Age and auto insurance quotes
As males move beyond their mid-20s, the risk posed by male
drivers diminishes, says Peter Moraga, spokesperson for the
Insurance Information Network of California. For example, males
will generally get lower rates when they reach age 25 (but still
not better than 25-year-old women).
You can't save money on
car insurance quotes
simply by choosing an older boyfriend, however. They're still
generally going to get rate quotes higher than women of the same
age and comparable driving records.