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states and the District of Columbia requires drivers to have insurance coverage for both bodily injury and property damage, but the minimum amount of coverage required by law varies by state. For example, minimum bodily injury liability coverage requirements range from $30,000 in Arizona to $100,000 in Alaska and Maine, while minimum property damage liability requirements range from $5,000 to $25,000 in most states. On 1 March 2011, the European Court of Justice decided insurance companies who used gender as a risk factor when calculating insurance premiums were breaching EU equality laws. The Court ruled that car insurance companies were discriminating against men. However, in some places, such as the UK, companies have used the standard practice of discrimination based on profession to still use gender as a factor, albeit indirectly. Professions which are more typically practised by men are deemed as being more risky even if they had not been prior to the Court's ruling while the converse is applied to professions predominant among women. Another effect of the ruling has been that, while the premiums for men have been lowered, they have been raised for women. This equalisation effect has also been seen in other types of insurance for individuals, such as life insurance. Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they undertake further driver training on recognized courses, such as the Pass Plus scheme in the UK. In the US many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home.
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You can also opt for a unique usage based plan called Snapshot, which monitors your actual driving behavior through a telematics device installed in your car — if you’re a cautious driver, this plan could be a great way to save. However, when it comes to supplemental coverage, Farmers Insurance outpaces Progressive, offering several more options to beef up your policy. We recommend looking closely at the offerings you may need and comparing quotes from both providers. Allstate excels at servicing its customers — one of Farmers' weakest areas. Allstate’s J. D.