As sexist as it may sound, a woman driver tends to get a cheaper car insurance quote than a man driver. Of course, this is not because car insurance companies tend to favor women; it is not even because car insurance companies actually believe that driving skills could possibly be based on a driver's gender. It is the statistics that show, in general, a woman driver is much safer and more cautious than a man driver.
Women drivers are more likely to pass their driver licensing exams on the first try than men drivers. This does not mean women drivers are smarter than men drivers, but it might mean that women take more initiative to study and practice for the exam.
Women drivers aren't involved in as many accidents as men drivers. This may mean they're more cautious drivers; it may mean they choose safer cars. It may also mean that they're lugging around precious cargo such as children.
The motor vehicle-related accidents that women drivers are involved in often don't cause as much damage as motor vehicle-related accidents men drivers are involved in. This probably goes along with being cautious and driving safer vehicles, as well.
Women drivers also don't commit as many motor vehicle-related crimes as men drivers. Who knows why this is a statistic, but it is. For some reason, the majority of motor vehicle-related crimes are committed by men.
These statistics are in no way sexist, nor is the commentary that follow them. But, thanks to these statistics, it's much easier for a woman driver to obtain cheap car insurance than it is for a man driver to obtain cheap car insurance.
Cheap Car Insurance For Woman
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.
Both Elizabeth Newberry & Jon Butt are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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