The factors used to compute cheap insurance are many and usually place prospective policyholders in rating groups that categorize level of risk. Obviously, in one rating group, gender, there's a difference.

Are women better car drivers than men, though? Only your insurance company actuary knows for sure, but generally young men are considered a higher risk to insure. In that age rating group, auto insurance best quotes might favor women.

Cheap Based On Your Needs

What really counts, though, is whether car insurance for woman drivers is cheap insurance based on their own needs. Best quotes for woman drivers can be obtained online at automated websites that return quotes from several competing insurance companies simultaneously.

Women who know the ins-and-outs of car insurance for women need only choose the lowest quote to get cheap insurance.

Get Help If You Need It

If you're not familiar with auto insurance, however, you may want to contact an insurance agent who can guide you through the process and better ensure that you purchase the coverage you require.

They can also show car drivers ways to lower their rates by increasing deductibles or lowering Comprehensive or Collision coverages which become less practical as a vehicle ages.

Just remember, there are six main types of car insurance--Bodily Injury Liability, Personal Injury Protection (PIP), Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage--that cover your liability to others, pay your immediate medical and other expenses, cover damage to property, pay for repairs to or replacement of your car, cover expenses due other causes of damage, and insure you against those without insurance.

Most of all, don't forget that what's cheap insurance in the short run can put your finances in jeopardy in the long run, and that auto insurance protects your assets, not you.