Women's Car Insurance

Women can't drive right? Well thats what the older generation thought. Men went from thinking that women shouldn't drive at all to considering women drivers a joke. Lucky car insurance companies don't agree. The consider women's only car insurance to be a profitable area. Why? quite simple - women are better drivers and make fewer auto insurance claims than their male counterparts at any age. Women have better reactions and take fewer risks than men. How many female hoon drivers do you know? Sure young women's cheap car insurance can be hard to find - but it will still cost them less than the guys.

In fact the misconceptions of womens ability to drive are just that - urban myths. Women are better at taking instruction - a women will ask for directions and man will drive around in circles - they will even argue with the GPS for goodness sakes! A women is far more likely to learn how to drive properly by going to a driving school and learning the right way to drive.

Either way its a recipe for disaster as far as learning how to be a safe driver and one of the reasons that cheap car insurance for women is easier to find than cheap insurance for men!

So if you are a lady in need of car insurance is it worth checking out a specialist company which specalizes in women's only cover? Maybe would be answer on that. The deals change all the time and what was cheaper last year won't necessary be the cheapest women's car insurance this year! Its well worth taking a look at it though because some specialist companies do do rather well at pricing. The best known example would be the older driver policies offered by companies who specialize in car insurance for the over 50s - they may have great prices for the older lady motorist.

Car Insurance For Women

Either way the best thing to do is to right down the key facts: car, model, age, value, who will be driving the vehicle their age/sex/driving record and get on line. Check out a number of comparison websites - these sites are great cause you can put in your figures once but get multiple quotes from different companies which you can compare apples for apples. This is the trick with getting quotes - you must give each company exactly the same details otherwise you won't be comparing like quote with like.

Set aside a few hours and get all done in one sitting. That way you wouldn't confuse yourself as to which details you gave which company. Leave your current insurance company to last - particularly if you are happy with them. Then if they quote you the wrong price you should be able to bargain them down because you know what their competitors will offer for your business. Remember the customer has the power in today's tough economic times and that you should be able to do better than their first quote.
Key ways to minimize your auto insurance costs include restricting the number of drivers - particularly to just you - especially if you are a female and double points if you are a female over 25 with a clean driving record. Also the type of car that you drive makes a difference - if you are in the market for a new car - check with insurance companies first. Some cars cost a lot more to ensure than a similar car from a different manufacturer. Its not always the big fast cars either -you'd be surprised that smaller, hatch-back models are often popular "hoon" cars which get modified and thus have very expensive insurance. This is not really negotiable so that you really need to know these before you commit to buying a particular model car.
Also look at the coverage you need and the excess costs you can afford. If you can afford to self-insure for minor damage, particularly glass damage then this can have a big effect on the quote for your insurance. If you don't need a replacement rental car because, for example, you have a second car in the family - say so and reduce your quote. If your teenage son doens't need to drive the car - take him off the policy - just remember to add him back on if this circumstance changes.  If the car is secured locked up at night in a secured garage that can make a very big difference to your car insurance premiums. So ladies - yes getting women specific car insurance can be a good idea but its not the only criteria that insurance companies look at so check around before you agree to any car insurance quote.