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Cheap Car Insurance For Women Drivers

car-insurance-women-driversAre you a woman looking for cheap car insurance? You might even be wondering why women pay less for car insurance then men. I have outlined some information gathered to help you find the lowest car insurance as a woman. More than likely if you have a clean driving record you should be able to get lower rates from insurers.

According the USA today the amount of women drivers have surpassed the amount of men. It goes on to say this will have an economic impact on the economy and could be eluding to a rise in insurance rates for women. There is only one situation which is outside of the United States where car insurance for women is rising. On the other hand, within the U.S. car insurance is lower for a woman compared to a man of equal age and driving record. This is good news for you since auto insurance rates are probably not going to rise to the level of men any time soon.

Getting the lowest rate

  • Comparison shop – If you are in the market for car insurance the best thing to do is comparison shop. This is good for women since they typically are better shoppers then men. What I mean by that is women are likely to find a better deal and have patience unlike their male counterparts.

  • Dedicated insurance for women – There may be insurance companies which offer auto insurance exclusively which could be called specialty insurance. However, it could be higher than getting a premium from a top insurer. More and more insurance companies are beginning to appear and I would assume so in the United States too.

  • Go direct – What do I mean by that? If you are getting quotes from a brokerage agency or comparison site you can go direct to the insurer and get a lower rate. When you get your quotes all you have to do is ask. There isn’t an insurance agency which is going to give you bogus information such as “we are the insurer” if they aren’t underwriting the policy. Why? It is illegal to do so.

  • Get equal coverage quotes – When you are shopping for car insurance you want to be sure you give the same details so you are able to compare quotes side by side. If you give one company full coverage and another minus comprehensive and collision it is difficult to tell who has the best coverage for less of a price.

Why do women have lower car insurance rates?

The primary reason women have lower rates are their driving habits. Here is a list of premiums amount state by state comparing women and men. Outlined below are some of the reasons for cheap insurance for women drivers:

  • Driving Habits – The driving habits of women can be significantly different then men and insurers know this. Insurers take statistical data, such as the amount of accidents, and use it through a process of actuary science (number crunching) and since women have less accidents they get lower rates.

  • Less Claims – On average women file less claims then men. Since insurers realize this as a statistical fact you get to enjoy lower car insurance premiums.

  • Safe Driving – The majority of women are safer drivers and take less chances behind the wheel then men. Things such as texting and driving are committed by young male drivers since they think it may be “cool” to do it.

  • Less Accidents – Women have less car accidents then men on average. While not all women are immune to a car accident the majority of them are minor accidents compared to their male counterparts.

Here is some interesting news. Probably one of the reason women pay less for car insurance is they don’t drive as far. Normally in a married relationship (or living together) the man is the driver and not the women. On long distance trip the man normally is driving. Okay, I am not trying to be sexist or anything, but these are the statistics and lucky for you cheaper car insurance is almost always going to be a fact compared to a man.

Other interesting data

  • Public transportation – Women are more likely to take public transportation which not only lowers car insurance, but the gas bill too.

  • Questions – Women are more likely then men to ask questions about auto insurance discounts where men don’t.

  • DUI’s – Women are four (4) times less likely to get a DUI. You can easily find the statistics at Esurance.

  • Speeding – According the National Highway Traffic Safety Administration (NHTSA) the cause of fatal accidents by speeding is about 25 percent for men and only 15 percent for women.

Woman Policyholder

If you are married there is something you can try if your significant other is the primary policyholder. Put yourself as the primary policyholder and see if the rates go down. It never hurts to ask. Also, you may want to consider it you need a joint or separate policy.

Car Type

Statistically women are going to buy safer cars. If you are in the market for a newfemale-drivers car it is a good idea to get quotes first since the cost to insure it could be higher than originally thought. Men are more likely to buy a vehicle which is fast or sporty which normally means they cost more to insure. When insurers take the vehicle into consideration for a policy they look at the safety rating and claims history. Women on average are going to pick the safer less likely to have claims type of vehicle.

Men vs Women

Even though women on average pay less for car insurance it doesn’t mean women are able to commit more driving violations and get cheap car insurance. There are women which have been denied insurance from certain insurers. Since your gender is one of many factors to determine your rate it is more important to maintain a clean driving record.

Will Women Eventually Pay More?

Since there are more women drivers on the road today it would make sense over time women may cause more accidents. On the flip side, women are safer drivers and the averages continue to state men are causing more of the accidents even though there are less male drivers on the road now.

Image credits; fashioncentral.pk & ecarinsurance.net

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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