Don't pick liability;
you're just asking for trouble.

Gays and lesbians are twice as likely as heterosexuals to purchase automotive insurance online, according to a study of auto, life and homeowner/renter insurance by Harris Interactive in conjunction with Witeck-Combs Communications, MarketingCharts writes.

Below, findings from the study.

Auto Insurance

One in six (17 percent) of gays and lesbians said they purchased their primary automotive insurance online, compared with only 8 percent of heterosexuals:

42 percent of gays and lesbians are likely to purchase their primary auto insurance through a company agent, compared with 35 percent of heterosexuals.

When asked what reasons they might use for switching their auto insurance from one company to another, 33 percent of self-identified gays and lesbians said a company's offering domestic partner benefits to its employees would be one of their top three reasons for changing insurance carriers:

Life Insurance

Far fewer gays and lesbians report having life insurance coverage than heterosexuals: Almost half of gay and lesbian adults (49 percent) have no life insurance policies, whereas just under one-third (32 percent) of heterosexuals claim to have none:

Homeowner's/Renter's Insurance

Gays and lesbians are less likely to have homeowner's or renter's insurance, with only 59 percent claiming to have it compared with 70 percent of heterosexuals:

Of the respondents who said they do have homeowner's or renter's insurance, more gays and lesbians (46 percent) said they purchased their primary insurance through a company agent than did heterosexuals (37 percent):

About the study: The new nationwide survey of 2,514 US adults, (ages 18 and over), of which 303 identified as gay or lesbian (which includes an over sample of lesbian, gay, bisexual and transgender adults), was conducted online between January 15 and 22, 2008, by Harris Interactive.