Women’s Car Insurance

Many car owners do not realise that there are different premium rates offered by motor insurance companies based on the gender of the driver. This is one case where women gain, and men (particularly younger ones) are at a disadvantage. This is generally due to the fact that women are proven by government statistics to be safer drivers. Insurance companies recognise this fact and charge lower premium for car insurance for women customers. In addition, although males may have to wait until the age of 20 to obtain car insurance on certain types of sporty cars, females can obtain cover at the age of 18 on the majority of models.

Another reason why women benefit from cheaper car insurance premiums is because women generally complete a lower annual mileage than their male counterparts. In addition, if a female driver unfortunately becomes involved in an accident, insurance providers’ records show that she will, on average, put in a claim for a lower amount than would a male driver.

Of course, to benefit from the lowest rates that women drivers receive, you must have a good driving record. Also, as a general rule, the more expensive your car (because it’s a luxury model or has a powerful engine) the higher your premiums will be. Models that are particularly tempting to car thieves will also attract a higher premium.

Other tips to help lower your car insurance cost are to park your car in a locked garage at night, rather than on the street. If you have to park your car somewhere during the day while you’re at work or out shopping, be sure that any valuables that you have to leave in the car are out of sight. What you can leave in plain sight to your advantage is any anti-theft device, such as a lock that fits over the steering wheel.

So if you are a female car owner you can benefit greatly from lower premiums than the men can obtain. Compare rates offered by the different car insurance companies by researching women’s car insurance on the Internet and you’ll find a deal that’s right for you.