You’ve probably heard countless men complaining about women drivers and men often make the assumption that female drivers aren’t as good at driving. However, this assumption has no basis in fact – statistically women are much less likely to have an accident than men which means that car insurance for women is cheaper.
Car insurance companies are constantly conducting research into driver habits so they can come up with more accurate prices for different types of driver. They base their prices on a number of factors, but one of the main things they look into is the likelihood of certain types of drivers being involved in an accident.
According to statistics young drivers are more likely to run into trouble and need to pay for repairs, and men are more likely to have an accident than women and if they do have an accident it’s likely to cause more damage than it does when a woman is driving. Additionally, men are more likely to commit driving offences such as speeding which also helps to make ladies car insurance cheaper.
Many people claim that valuing insurance like this is sexist, but it’s simply a scientific way of assessing how likely a person is to make a claim, which is the fairest way to determine different car insurance prices.
If you’re looking for cheap female car insurance then make sure you take time out to shop around different insurers and get as many quotes as possible to find the best deal. Most major companies offer instant quotes online and you’ll be able to get a good idea of the other bonuses and benefits they offer too.
Although as a female driver you’re more likely to fond cheap car insurance for women, there are other steps you can take to reduce your premiums even further.
The type of car your drive can make a big difference to the price you pay so if you want lower insurance opt for a less expensive car with a smaller engine size. The bigger, faster and more powerful your car is the more you will pay so if you’d rather have cheap insurance then avoid flashy vehicles.
Building up your no claims bonus is the best thing you can do to reduce costs. Although it takes time once you’ve passed your test you will be driving for many years to come so it’s always a good idea to try to avoid making claims where possible. Building your no claims bonus for five years can cut the costs of your insurance by up to half so drive carefully to avoid the need to claim. If you do need to carry out small repairs then pay for them yourself where possible rather than using your insurance.
Another way to lessen the costs of ladies car insurance is to drive less. If you do a lot of miles each week you’re more likely to have an accident or cause more wear and tear to your car, so if you csn reduce your mileage by walking, using public transport or through car share schemes you’ll pay less for insurance.