Car insurance companies are generally "kinder" to women drivers. This is because it is statistically proven that despite the clichés, women practice more caution on the road compared to their male counterparts. Women are also involved in fewer serious car accidents since they are not aggressive on the road. So, girl, if you are looking for a car insurance company to handle your needs, you have better chances of getting a lower monthly premium than your man.

Here are some tips for women who are looking for the right car insurance company to sign-up with:

1. Ask around or search the Internet for "women-friendly" car insurance companies.

As a female driver, you are bound to get at least a 10% discount on car insurance premiums. There are even some companies specializing in car insurance services for women.

Talk to other women drivers and ask their opinion. Your friends can let you know about their experiences with their own companies, and will surely recommend a company that will best fit your needs.

2. It is best to do your research by talking to someone at “brick and mortar” insurance company. When speaking with an insurance broker, make sure to give him or her a detailed description of your driving history. Having an overview of your driving history should also give the broker an idea of the premium insurance costs that you can get. You may then decide to go online and search for the best deal but you'll then know exactly what you need from talking it through first.

If you have never been involved in a car accident and your record is clean, highlight that. You can negotiate for a lower monthly insurance premium. However, if your driving history indicates an involvement in a car accident, either as a passenger or a driver, you will be offered a slightly higher amount. But you can still get the best rates possible in spite of a not-so-clean driving record if you negotiate a bit and shop around.

3. Find out about the payment options offered by the companies. There are companies that offer a full or bi-annual payment on insurance premiums. Others offer payments that can be made on a monthly basis.

It is not that easy to get a car insurance company especially if you are not familiar with the dealings on this industry.

In conclusion, many women seeking car insurance face the same dilemmas - how to get the best deal while making sure you and your asset are well protected. This is nothing to be embarrassed about. Women all over the world have the same problems.