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.

Men are also more likely to make larger claims on their insurance and even though the risks faced by women drivers are the same, their claims are almost always lower. That is why on an average women's car insurance premiums tend to be 30 percent lower than that of the male counterparts having same demographic profile.

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.

Since men generally drive at higher speeds, when they have an accident, the loss is high and when the accident involves two vehicles with high amounts of damage, it becomes an insurance company's nightmare. From an insurer's pint of view, even a newly qualified woman is a lower risk driver than a man who has just passed his exam.

In view of this, a number of specialist car insurers will only sell their auto insurance plans to females with no men allowed, not even husbands. Many of these companies believe that the risk the male driver poses, even though he is a policy holder's partner is not worth the additional cost that can be incurred if he has an accident.

These companies may exist with a lower profit margin than most large insurers but they are able to attract many customers to make up for the shortfall in individual premium shortfalls.

Women drivers should seriously consider getting a car insurance quote from a company that will only insures women drivers. Further discounts can be made when a car is parked in a garage and if the person takes advanced driving lessons in addition to a clean license.

One important piece of advice is that women only insurance companies are not necessarily less expensive than a larger, general insurance company that provides auto insurance. Considering the ongoing costs involved with any type of insurance, the best course of action is to compare companies and obtain quotes from a number as you may discover a general insurer who is cheaper.