Car Insurance for Women

The age-old argument of which sex makes the better driver is still a prominent form of banter in many a pub today. Even though women are less likely to cause accidents, men still believe they are the safer and better drivers. Luckily for women, car insurance providers tend to side with females, as women’s car insurance tends to be cheaper than male’s. There are many reasons why insurers offer lower premiums to women, which is why it is important for women to research the market before committing to an insurer. One reason why women pay less for their car insurance is because female drivers are less likely to cause accidents, and the accidents they do cause are likely to be minor, as opposed to men, who are more likely to cause serious accidents and fatalities. Women are also a lot more likely to drive slower than males, which makes them a lesser risk for car insurance companies. Another factor which benefits women drivers is the fact that their mileage is likely to be lower than a male, which makes the insurer assume that she uses the car less and uses shorter journeys. All of these factors are preferable when insurance providers are concerned, so try to ensure that you are building up a healthy no claims balance. Even though women’s car insurance is generally cheaper, there are things you can do to make the price drop even further. For new or younger women drivers, make sure that you choose a car that fits into a low insurance bracket. Every car model is rated between one and twenty, one being the lowest, twenty being highest. By choosing a car which is in a lower bracket (and therefore not as powerful) you are likely to save money on your premium than if you were to try and insure a performance car, like a Ferrari. For women drivers over 50, insurers do recognise that you will have more experience on the road. If you have many years of no claims, it may be worth insuring your no claims, which allows you to claim once before your no claims bonus is tarnished. Obviously, this will only cover you for minor claims, but will cost you less than if you were to reapply for insurance after your no claims period has been broken. When looking for women’s car insurance, make sure you don’t just look at insurers who only cater for this area. Compare car insurance using an online comparison tool to find all the best deals. Cheap car insurance is easy to come by if you see what the whole market has to offer.