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Car Insurance For Women

There is an established fact that the car insurance for women is cheaper than for men. The inexpensive feature is doubled by special policies created by insurance companies for women. For example there are policies that include coverage for the handbag. The special treatment is due to the fact that women are more interested in safety, have more patience and consider slowly driving as a precaution measure.

But there are also other factors that determine the cheap car insurance for women. The studies have showed that women are less inclined to break traffic rules and they purchase vehicles that are built for safety. For these kinds of automobiles the cost for replacing or repairing is quite low. Therefore, the companies are inclined to offer significant discounts.

Like in the case of men, cleaning that driving record will sure help a woman to get a better deal. To be sure you’re record is clean you should go to the local DMV and check it out, because there are insurance companies that like to check your history going back even 10 years. It may seem unbelievable, but is true. Therefore you should drive carefully if you want to benefit from a lower premium.

Car Insurance For Women

Another interesting aspect about car insurance for women is the fact that married women usually pay less for their insurance. So, single ladies will have to look more for a better deal. The same rule applies to young, single men. But if you’re single and plan on staying that way, buying a second car will help save some money. As an advice, you can use the cheaper car for daily usage, because there are insurance companies that reduce rates for a car that spends most of its life parked in a garage.

Your credit is another issue you should attend, because a clean credit will definitely provide you with a better deal. Also, selecting a higher deductible has the potential of turning into a good idea, because its value will be proportional with the value of your comprehensive and collision insurance. That will be a great financial help if you consider that the minimum liability coverage doesn’t make you feel safe enough. The extra you want to add to the minimum requirements won’t mean much higher rates, but will sure save you a lot of trouble if you are involved in a more serious accident.

To help you decide, there are a lot of online websites that offer you the possibility to compare quotes from different companies. You can also talk to your agent and see what offers he has available for you, because sometimes buying more products from one single company will get you a discount. But you should also check out the companies specialized on car insurance for women or the ones that treat the matter in specialized departments. Usually, their offers include special benefits and features that are addressed not only to you as a female, but also to your entire family. These companies are always thinking about new offers and ways in which you are going to fell more protected in traffic, especially when you are driving your children to school, or travelling and not only.

The key to finding best deals is information and the world we live in provides us with the necessary tools. Use them wisely and you will find what you are looking for.

Car Insurance For Women

As most of you already know, women are much safer drivers than men. I know some of you might disagree with this but women are less likely to make claims on their insurance for accidents because they usually drive slower than us guys.

There are good and bad drivers amongst both men and women, but the overall figures show pretty clear that women drivers get involved in fewer accidents than male drivers. There are many reasons for this situation and it is not as simple saying women are better drivers, because they really aren’t :) In the following, we’ll give you some essential facts regarding what factors influence car insurance for women:

a)      Driving habits – most of the ladies drive considerably slower in comparison to men and they do less mileage every year. This is a significant factor in diminishing the risk of involvement in serious car accidents and one of the main reasons why women usually can qualify for more affordable premiums;

b)      Competitive driving – women are not big fans of competitive driving, and by “competitive driving” I mean that they don’t usually try to overtake lots of cars and drive in an aggressive matter like many of us guys do it, whether we admit this or not. Obviously, competitive driving increases the risks of getting into a serious accident;

c)       Reduced costs – it is a known fact that women behind the wheel cost insurance firms less money per year, which means that the cost for car insurance for women is cheaper than one for men. However, this situation might change in the next few years as the industry’s movements are to standardize premiums for both genders, which might meant that women will pay just as much as men.

There is also the issue of age as for the women drivers that are 16-24 years old, the insurance policy will be higher, although nothing really comparable with what men of similar age have to pay. This is because this age segment is more prone to accidents and careless driving, so the rates must be adjusted accordingly. If you have a good driving record, over the years your premium will decrease.

Starting with the age of 25, the car insurance for the ladies starts to drop significantly in price, as long as the driver has a good driving record. By this time, women are assumed to be more settled and mature and as a consequence, they’ve become safer drivers and will remain that way for several decades. For this reason, the price for the insurance policy will keep going down, up to a certain point.

From the age of 65-70, both male and female drivers are less safe on the road and get involved in more accidents, leading to the increase of the premium. It will keep going up every year and if the female driver gets involved in an accident, the insurance policy will increase the premium significantly, or even decide to cancel it.

Regardless of age and sex, we recommend that you drive safe because not only you will avoid getting into an accident, you will also save a lot of money if you have a clean driving record. As they say, better safe than sorry, especially when we are talking about driving a car.