Car Insurance For Female Drivers

Being a female vehicle owner in modern times has never been so beneficial seeing that you can enjoy lower insurance premiums than your male counterparts.

Insurance companies prefer lady drivers to their male counterparts. Ladies are considered to be non-risk drivers. This is not because they don’t make accidents, it is because their accidents don’t cost as much as men’s accidents! Their claims are much less, and they cost insurance companies fewer than men does. Women’s insurance premiums are sometimes up to 30% lower compared to men’s.

Women drivers are much more careful on roads, and they drive at lower speeds than men. Hence, fewer accidents are caused my lady drivers in general, and they are not that messy compared to men’s. So, although their accident rates are about the same as males, they claim less, resulting in lower premiums.

Because male car owners driver at very high speeds, their accidents usually results in high damage and cost, even if they are the only ones involved.

Ladies are believed to be less of a risk, even at the age of 17. Many premium discounts exist for young lady drivers, like the pass plus certificate. Discounts of up to 30% are sometimes achievable.

Some car insurance companies specialise in auto insurance for women drivers. Literally, these companies insure women drivers only, for example First for Women. They don’t even encourage getting a lady insured with her husband under combined policy because they can’t give too much discount, as they have to think about her husband’s high risk factors as well. So, they would prefer women with women. It means providing less risk in total, meaning lower premiums in total.

The Calculation of women car insurance can be extremely simple – Lower premiums results in less profit. However, many of the insurance companies rely on a huge customer base. Look out for these companies if you are a woman. A Lady car insurance quote includes legal cover as well. This helps you to claim back your excess from the third party in the event of a non-fault claim. You can further lower your premium by

Want to find out more about car insurance, then visit Freedom Insurance and get the best car insurance quotes for your needs.