This a fun summary of the type of drivers who are buying auto insurance for their vehicle.
The Rebel
He's a testosterone driven young stag. He thinks speed limits are for wimps. His car is fitted with a growling exhaust, custom neon lights, boom boxes and an over sized aerofoil. He gets through a set of tyres every year leaving skid marks on the tarmac. The insurance companies punish him. Auto insurance costs him a fortune. But he must to have a racy set of wheels. Buy Risk: 9
The Suit
They are the salesman endlessly driving across the country to win the next order. Or they are the accountant and the lawyer visiting their high profile clients. They drive sensible, comfortable cars with sat nav and in car entertainment to distract them from the tedium of their journeys. They hunt for competitive auto insurance but pay slightly higher premiums than most because of the high mileage they cover each year. Buy Risk: 7
The Runaround Mom
She can carry three shopping bags, answer the cell phone and co-ordinate 2 kids all at the same time. She drives an SUV the size of a truck into the parking lot. She shops for enough food to survive a nuclear holocaust. Maps are a serious challenge for her but who cares about maps, she knows where she's going. When it comes to auto insurance she wants the best comprehensive cover. She will claim against anyone who endangers her family. Don't mess with the lioness and her cubs. Buy Risk: 3
The "It" Girl
They are followers of fashion. They expect their mini-skirt to ensure they never get a speeding ticket. The rear view mirror is for applying their make-up of course!! She names her car Charlie or Elroy or after the latest popular male pop singer. Sometimes you will see a pampered pooch in the passenger seat. She needs auto insurance for her pink open top convertible. Buy Risk: 6
The College Campus Candidate
Society stinks. Corporations are greedy, bad and evil. They will argue with anyone who disrespects them. They will discuss philosophy until 3am in the morning at parties. The car they drive must exhibit their political views. The backseat is cluttered with books and protest placards. Auto insurance is a necessary evil to satisfy corporate greed. Buy Risk: 7
Mr 1%
Traditionally a man, but increasingly a woman, they are the high fliers. The entrepreneurs, the bankers, the businessmen, the well to do. The cars they drive are in the top of the insurance class. Auto insurers love them. They are willing to pay whatever it costs to drive their sports car or limousine. Buy Risk: 5
The Morning Zombie
The alarm clock rings. They drag themselves out of bed 5 days a week, wash, shave if they are men, apply makeup if they are women, and have a quick breakfast before hitting the road. They are the typical worker commuting daily to the office through horrendous rush hour traffic. At the end of their journey they battle over the last available space in the parking lot. They work with numbers all day long so they are cost conscious and hunt out the very best deal on auto insurance. Buy Risk: 4
Daddy's Precious Little Girl
This pretty little lady throws away her learning plates and takes the key for her very first car. Finally she has independent freedom from the family home. She meets up with her girlfriends and drives down to the shopping mall and the beach. It's daddy who pays for the auto insurance. It's expensive but he is willing to pay for the very best insurance cover for his precious little girl. Buy Risk: 6
The Boon Docker
They enjoy a nomadic life on the winding road. They want to see what is around the next bend in the road. They are explorers and minimalists living out of their camper. But even they need fuel, food and supplies. So they boon dock next to a sympathetic retailer willing to aid their free wheeling lifestyle. Auto insurance is a must for them, not just for legal reasons, but because their vehicle is their home. Buy Risk: 3
The Techno Geek
Their car's dashboard looks like the control panel to a spacecraft. They speak in terms of gigabytes and frequencies. They are permanently connected to a satellite signal. Twist knobs are out of fashion. Everything has to be touch screen. Searching for auto insurance require precise calculations. If they can hack into the insurance computer they'll give it a go. Buy Risk: 3
The Road Rage Monster
"Get out of my way!! I own this road." We all now this type. They believe they are the only motorists who know the rules of the road and everyone else on the road is a bad driver. And they get so infuriated when they have to break or deviate from their path. They may tailgate because you are in their way. Unsurprisingly, they attract insurance claims. Buy Risk: 8
The Snail
Often elderly, the snail gently navigates their way through the traffic. There is no rush. They've had their car for many years and keep it well maintained and spotlessly clean. Regardless of the traffic they stick rigidly to the same speed for miles and miles. But the auto insurance companies see them as careful drivers and reward them with lower premiums. Buy Risk: 2
The Blue Collar Workin' Man
The entire world is against the working man but that's no problem. He's used to being at the bottom of the pile. He believes in the adage, "When the going gets tough, the tough get going." He doesn't care about etiquette. Etiquette is for wimps. If it's stupid but it works then that's fine. Their car is a tough old work horse. The fact it's dirty just gives it unique character. Auto insurance is just another hit on their pay check. Buy Risk: 3
The Eco Mistress
Don't you dare hit that tree!! Free the penguins!!! She wants to know if her car is carbon neutral. If the car exhaust emissions harm one squirrel she won't drive it. When it rains, she plants a flower in the windscreen wipers. She wants auto insurance from an ethical company. Preferably one that gives a little to save the planet. Buy Risk: 3
