how much is your car insurance likely to jump if you cause a total wreck, here's the state by state info

In Massachusetts it's 67 percent.
but California drivers experience a substantial 62 percent rate hike,
and New Jersey isn't far behind at 59 percent
Maryland drivers experience the smallest increase at 20 percent.
Alabama and Michigan also see relatively small increases of 22 percent and 23 percent, respectively.

http://www.autoblog.com/2013/12/22/first-accident-insurance-increase/ 

The European Court of Justice ruled that car insurance could not be based on gender. Now men pay less, women pay more

Young women drivers buying car insurance and any man considering retirement will get a worse deal from the end of next year, following a ruling prohibiting the use of gender in insurance underwriting.

Insurers have until now charged young men significantly more to reflect the fact they are more likely to have serious accidents: a male driver under 21 is twice as likely to have an accident than a woman under 21. But the insurance industry will now have to rip up its current pricing model, and young men under the age of 25 are now likely to see premiums decrease by an average of 10%, and in some cases 25%

At the same time, car insurance premiums for women under the age of 25 are expected to rise by an average of 25% by the end of 2012, but by up to 60% for the youngest drivers, which could translate into an extra £500-£1,000 a year for some.

But Martin Lewis, creator of MoneySavingExpert.com, believes banning the use of gender for car insurance is sensible: "With car insurance I think there is some logic to this ban – gender price differences are based on behaviour. Why should one man pay more because others behaved badly? Would we allow the same to happen based on racial differences?

http://www.theguardian.com/money/2011/mar/01/ecj-gender-ruling-insurance-costs

Learned about it from http://www.drivelikeawoman.com/index.php/news/entry/new_ruling_says_equality_for_women_in_car_insurance/ 

5 Tips For Efficient Driving Car

Having a private car does not always make profits for its users. How can that be? Yes if you do not know about your vehicle is. Therefore, the opportunity this time you will be presented with tips that must be very useful on how to drive a car with a frugal:

1. Buy a car whose company provides long-term warranty. Each item / any inanimate object must have a sophisticated security itself. There was a time the goods you buy that function will be reduced. Choosing a car that offers long-lasting guarantees is a wise decision.

2. When you want to buy a car, utility vehicle was purchased. As good as any vehicle that you have, but if it was just to show off to the boyfriend, work friends, or even a large family, you will experience difficulties themselves. Prioritizing the use of all because it is related to your needs to the vehicle.

3. Always buy a car that you can bear. Having a private vehicle that does not mean you'll spend less and less. Not necessarily because you have to set aside money to buy gasoline, vehicle insurance, and maintenance costs. If you do not notice it then occurred to him that you will experience a loss that may not be small in number.

4. Your vehicle insurance. Appropriate insurance and funds in accordance with the power you have is an advantage. Choose the insurance companies that provide more facilities in the lawyer-cover of your vehicle.

5. Purchase original spare parts at authorized dealers in your city. Although initially expensive, but by purchasing the official auto parts you actually have to save more money. Better quality than you have in the stores unofficial help you to not constantly changing your auto parts.
What can be taken from the tips outlined above this? That there are ways to save our vehicle. Congratulations to apply these tips in your life.

What You Need To Know About Automobile Accident Insurance Calculators

Considering that, as a matter of policy, automobile insurance companies do not reveal the methods and factors they use to calculate rates for auto insurance, an automobile accident insurance calculator is just a little bit illusory.

An auto accident insurance calculator is comprised of many factors that have to do with both the vehicle and the driver. Which factors and what weight they carry may vary quite a bit depending on the automobile insurance company.

Car insurance rating groups are a particularly important factor used to calculate insurance rates. Insurance rating groups determine to what extent the level of risk to insure members of a particular group deviates from a norm.



You're A 'Joiner' Whether You Think You Are Or Not

An insurance calculator would calculate higher rates for those with higher levels of risk and lower rates for those with lower levels.

Insurance rating groups might be categorized by age group, gender, credit scores, location of residence, and other factors, or a combination of several. Based on insurance rating groups, an automobile insurance company might be able to project the chances of a policyholder being in an automobile accident or of their putting their vehicle at risk in other ways; where they park, for instance.

When you apply for auto insurance, you are essentially applying for membership in a club, one of many insurance rating groups. You can't do anything about joining some of those clubs--the Young Males' Club or the Under-25 Club, for instance--but you can do something about being in the Good Drivers' Club, The I-Pay-My-Bills-On-Time Club, The My-Car-Gets-Parked-In-A-Garage Club, and others.

An insurance 'calculator' looks to see if your 'membership dues' are paid up in full, then determines your insurance rates accordingly.