Female Car Insurance

Popular culture and "general knowledge" would have us believe that men are better at driving than women. Maybe it's a macho thing, a need to be in control, but it's common to hear men grousing about being cut off by a female driver, or being late to something because they were stuck behind a lady. Fortunately for us, the evidence shows this to be a gross misconception. The good news is that as a result, women can get car insurance quotes for lower rates than men - it pays to be a safer driver! Female car insurance is a safer bet, so we get better rates. Before we get into discussing specific auto insurance discounts, one thing to make sure you do when shopping around, that many people don't think to do - ask for a discount or a lower rate. Weird, I know, but if you ask they just might be able to find a discount for you that you or they hadn't anticipated, and who doesn't want to save some money on something as bland as insurance?

Much as men don't like to admit it, statistically women are better drivers. We get into the same number of accidents, but for a variety of reasons our accidents are overall less dangerous to health and safety than accidents caused by and/or involving men. It's generally accepted that the reason for this is that women on average drive slower than men. As such, doesn't it make sense that as a smaller risk pool, women should get preferential rates for car insurance?

More men than women have had traffic or moving violations, and driving accidents caused by men are more likely to be fatal. Car insurance rates are calculated using sophisticated mathematical formulas that take into account gender, age, driving history, make and mode of the car you drive, where you live, and many other factors. These formulas are derived from demographic and traffic data, as well as the company's own internal data from all the drivers they've previously insured. Since they want your business because accidents are rare enough that they'll likely make money on your policy, they want to offer you the lowest car insurance quote, so they'll take into account your particular information and try to give you the lowest rate they think you'll accept. 

Car Insurance for Women Drivers

There are other ways to save money on car insurance, besides just being a woman! Obviously if you're a safer driver and have fewer or no accidents or moving violations on your driving record, you'll qualify for safe driver discounts, which can add up to lots of savings - so think about that when you're crossing the speed limit, or thinking "no one's looking" when making an possibly-illegal turn. In fact, there are even discounts on car insurance for being a good student - because that's indicative of being a lower driving risk. I don't know how they correlated good grades with fewer accidents, but apparently the two go hand in hand!

The car you drive also determines your insurance rates - male or female. If you're driving a bright red sports car, or a convertible, you're going to see higher rates than someone driving a dependable beige sedan. Of course this means the more expensive your car, the higher the cost to insure it, which makes sense because if you get into an accident the repairs are more likely to be expensive to perform, and the replacement car parts will also be similarly expensive. Replacing a door or windshield on a Ferrari costs more than it does on a Honda! The car insurance companies keep track of this, but in general, the less expensive and more reliable your car is, the lower your auto insurance rates will be.

Car insurance all comes down to numbers. There are different amounts of coverage, and a few different types of coverage, but once you get quotes from different auto insurance companies, and they offer the same amount of coverage, and their customer service is reputed and reviewed to be equal, there's no reason to pick one over the other aside from price. So, shop around and get quotes from as many providers as you can, so when it comes time to renew your policy, you're able to pick the one that gives you what you need, financial safety-wise, at the lowest price. Be sure and check with your existing auto insurance provider as you're gathering quotes - they'll want to keep your business for the next 6 months to a year, and indefinitely, so they may be able to offer you a retention discount to stick with them.

Your car insurance is an important part of staying safe on the road. Not only does it provide peace of mind while driving, if you do happen to get into an accident, you'll appreciate how auto insurance keeps you from getting into a precarious financial situation. Female car insurance can be a better deal than the same policy for men, but it doesn't mean women drivers can drive recklessly or without regard for safety.