Although too many men it seems unfair, it is true that women are not as likely to claim on their car insurance as men. The reasons for this are not conclusive but point towards a few known facts such as the speed at which women are more likely to drive at plus they are less likely to drive sports vehicles.

It is for this reason that car insurance providers are happy to give policies to women than men as they know that there is less of a chance they will make an insurance claim. The problem is that although both sexes actually face similar driving conditions, when a man has an accident, the damage to the vehicle is normally far greater than if a woman had been driving. This is why women drivers can expect to receive anything up to almost a third off an equivalent policy for a man who had similar profile to that of the woman.

There is also the fact that damage to vehicles driven by women is not as bad owing to the speed they travel at so the cost of repairs is generally lower and so subsequent premiums are also lower. .Insurance figures show that the damage caused to a car that is driven by a man is much greater as they travel at higher speeds. Not only this, but women are usually treated as preferred drivers even when they have less experience than men.

There are now a number of car insurance providers that have set up purely to aim their auto insurance policies at women and even married women cannot have their husband as a named driver. They are just working with the statistics and believe that having a man on the policy will just increase the chances of a large claim meaning that premiums will have to rise.

Working to a budget like this means the company will not make as much profit so they will have to attract more members than would normally be required. If you are a woman then you really need to get a quote for a lady's car insurance policy preferably one that includes legal cover as well as it will help to claim back any excess from the third party in the event of a non-fault claim. It is always possible to obtain further reductions in the premium by fitting anti-theft devices and parking in a secure garage when not in use.

It is worth noting that auto insurance companies that only insure women drivers are often small and cannot always offer the same discounts as larger companies that do not have ladies only policies. So, check out these women only insurance companies by all means but shop around and get the best quote you can as you may find it less costly elsewhere.