Car Insurance Details
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Getting Cheap Car Insurance for Women
You're a woman driver and you heard that insurance can be cheaper by virtue of your gender. You can't be more correct. Insurance companies generally offer insurance cheaper to women to compared to men. Even driving schools think female students are easier to handle than men. So what's behind these favors for the female species? Read on.
Safety Issues
Yes, according to statistics, women drive slower than men, and are therefore less likely to violate speed limits. They are also less adventurous while on the road, which means they are less likely to meet accidents and make a claim. They are more obedient to traffic rules, and have thus far better-looking driving license records. Remember that having a good driving history can slash your car insurance costs by up to 30%. To sum it up, car insurers think that women are generally less risky to insure, and that is one reason - in fact, the main reason - why car insurance quotes for women is cheaper.
Attitude towards Cars
Aside from women being safer drivers, they are also known to be more mindful of their cars. They are more likely to get regular cleaning and servicing, which is why the average life span of cars owned by women is notably longer than its equivalent in cars owned by men. In short, women are more likely to take good care of their cars than men. As you known, a better-maintained car is less likely to figure in an accident than one which makes fewer visits to the service center. Again, this is a point towards women in terms of being less risky to insure. Know more about auto insurance in http://www.ehow.com/personal-finance/insurance/auto-insurance/.
Choice of Cars
One of the factors that affect car insurance costs is the car itself. It's difficult to get cheap insurance for luxury cars, sports cars and those huge SUVs. On the other hand, simpler cars with small engines and extra safety features such as alarms, airbags, etc., tend to be cheaper to insure. Statistics tell us that there are more women who prefer cars that are friendly to insurers. Thus, there goes another reason why female drivers are likely to get cheaper insurance their their male counterparts.
It really has nothing to do about who's a better driver than who. When women get a lower premium for first for women insurance, it's only because they are statistically known to make fewer claims because of the above-stated reasons.
