Even though there are many male drivers that usually talk about women drivers negatively, there is a reason that it is possible to get cheap car insurance for women. Many men tell jokes about how women drivers are poor and highlight a bunch of untrue stereotypes and generalizations about women as a group on the roads. A lot of men say things like: women aren’t good at driving because they are more worried about putting on their make-up, talking on their cell phones, doing their nails, or trying to do their hair while driving. Although there are going to be some women that are more risky than others on the road, it seems as though the car insurance companies have been able to determine that they are less of a risk on the road for damages in comparison to their male counterparts.
Why is it Possible to get Cheap Car Insurance for Women?
The main reason that women are going to get lower priced auto insurance than men is because statistics show that they are less of a risk factor on the road. Many studies that have been conducted show that although accident rates are not significantly different than those by men, the accidents that they are involved in have a lot less damage than those involving men. Men involved in accidents tend to rack up bigger bills in all aspects including: costs of vehicle damage, property damage, medical damage, etc. The list of damages that men rack up bigger insurance bills for car insurance goes on and on.
Since the majority of car insurance companies are concerned with various factors like age group, sex of the driver, and traffic violation histories, just because you are a woman is not going to guarantee that you receive a low rate or lower than average quote from an insurance company. However, on average, it is much easier to get the cheapest car insurance for women in comparison to men – they have the clear advantage when it comes to getting lower prices. If you are a woman, consider yourself lucky when it comes to car insurance because you will be eligible for more savings than men.
Specialist Auto Insurance for Women Drivers
If you are looking to find some good deals as a woman on your insurance policy, you may want to consider going through a specialist company. Most specialists only will accept women drivers and due to the fact that your policy is pooled with those of a bunch of other women, you may be able to get a lower flat rate than if you were to be involved with a mainstream auto insurance provider like AllState, Esurance, or Progressive. Specialty insurance providers have advantages in the fact that they may be able to offer you savings that you would not ordinarily find.
For specialist providers of insurance, you will want to consider whether joining one would cause the insurance costs for the men in your family to increase. Most families or married couples are signed up under the same insurance provider in order to save money by coupling the policies. Whenever a man is coupled with a woman in a policy or with multiple family members, usually the savings goes up and the price goes down. Sometimes, the more members you have listed under the same coverage, the more money you can save.
However, if you are a single woman and are not coupled with other family members, you may be able to save money by going through a specialist. If you are interested in finding a company that specializes in car insurance policies for women only, you should do an online search and look for some positive reviews about these companies. If a specific company seems like they can save you a lot of money based on the fact that you are a woman, then contact them and find out more information about their policies and discounters.
Do not think, though, that you necessarily will always get more savings by going through a women-only insurance provider for car insurance. Most of the time mainstream providers offer competitive rates and are able to give many of the same discounters (if not more) than specialists. It is important to take both into consideration if you do not yet have an auto insurance policy and are a woman looking for some insurance coverage.
Car Insurance for Women Online
When getting any type of car insurance online, you are going to need to make sure that you conduct thorough checks into companies that are independent or lesser known than mainstream companies like Progressive. If you are thinking that you want to go through a specialist, you will need to be aware of any potential auto insurance scams by doing good research into companies that have websites. Just because a certain company has a website and is able to offer you a quote does not necessarily mean that they are reliable and are going to provide adequate coverage.
Make sure that you always read reports from other customers and review websites to make sure that they provide legitimate auto insurance services. In addition to reading reviews, you are going to want to make sure that they have good customer service – companies with poor customer service are not companies that you should be working with for your insurance policy. When you are looking on the internet for car insurance for women drivers, make sure that you do not get duped into any scams on sites that request a lot of personal information right away.
The best way to go about shopping for your car insurance online is to make a list of companies that you know you can “definitely” trust and then gather quotes as a woman driver from each of them. Also, be sure to factor in various discounts that you will be eligible if the quote does not include them. After you have found the cheapest quote, make sure that you feel comfortable with the company; get in touch with them and ask any questions that you have before signing up for a certain policy.
How to get the Cheapest Car Insurance for Women Drivers
There are many ways to save money on your car insurance. There are some tips below that should help guide you in the right direction to save the most money that you can on your next policy or current insurance policy. There is no reason to be overpaying on your policy – so read below on a few tips that will help keep your rate lower as a woman driver.
Drive as safe as possible
If you can show your current insurance company that you are a safe driver by abiding by the driving laws, avoiding traffic violations (such as speeding tickets), and avoiding accidents, you will generally have a lower rate than other drivers. Just because you are a woman does not always guarantee that you will get a low rate on your insurance. If you have had traffic violations on many different occasions and have a poor driving record/history, then you may not be eligible for the savings that you initially wanted. Driving safe is the smart thing to do if you are interested in saving money on your insurance.
Store your car inside
Keeping your car in good storage can mean additional savings on your policy. If you park your vehicle out on the street or roadside, there is a greater chance of something going wrong with it such as: it getting stolen, broken into, vandalized, or hit by traffic. Since all of these things increase the risk that you pose to an insurance company, they are likely going to lower your rate and offer additional savings if you store your vehicle inside.
Install security features
If you have good security installed in your vehicle such as a satellite tracker (that can allow authorities to track down your car if it is stolen), your insurance rate will be reduced because this lowers risk. Having proper locks on your doors as well as a functional alarm system will further reduce your rate. Make sure that you check with your insurance company to see whether you are eligible for savings based on the security installed in your vehicle. If they have some recommendations to give as far as installing security features, it would be wise to listen to what they have to say so that you can get the savings that you want.
Drive a common car with good crash safety ratings
Driving a common car is going to mean additional savings for you on your insurance policy. Women that drive very expensive cars, modified cars, imported cars, antiques, or luxury cars are going to pay more for their coverage because their vehicle has a much higher value. Getting things like modified car insurance or import car insurance can be very complicated, especially for first time drivers to work with and understand. Driving a common car that is not too old will give you the best insurance prices.
Additionally, the car that you drive should have good crash safety ratings if you want to save more money. In general, the better the crash safety ratings, the better price you will get on your insurance coverage. Not having a low price on your insurance because the model of car that you drive got poor crash safety ratings is not usually something that you will save money with on your insurance policy because it carries greater risk of someone getting injured in the event of an accident.
Combine car insurance policies with family members and bundle with other types of insurance
In most cases, if you combine your auto insurance policies with other family members into a package deal, you will be eligible for more savings than getting coverage on a solo plan. If you wanted to save additional money, you could bundle your insurance policy with other types of insurance that you buy (e.g. homeowners insurance). Although some companies specialize in providing auto insurance only, there are plenty of insurance companies that sell multiple types of insurance. If you buy all of your insurances through one company, you may be able to save additional money.
Consider working with a broker
Car insurance brokers know a lot about how to save their clients money on auto insurance policies. If you are having a lot of trouble finding a good deal or just don’t want to put in the time that it takes to compare rates from multiple companies, then hiring a broker to do all of the dirty work (e.g. price comparisons, company comparisons, etc.) will really make things a lot less stressful. Brokers may be fairly expensive, so make sure that you hire one for a good price that you know can be trusted.
Ask about other discounts
If you are looking for cheap car insurance for women, you should always ask about discounts that companies can offer. If you are a woman that already has a policy, you should contact your company to see if there are any new ways in which you can save money and whether you are taking advantage of all of the discounts that you are eligible for. Many people are on insurance policies and do not realize that they are not taking advantage of all the discounts that they should be. If you are in the process of comparing quotes and companies, make sure that you are asking about how much you could save with the discounters for which you qualify.
Why Car Insurance for Women Will Stay Cheap
The reason that car insurance for women will continue to stay cheap is because throughout history, they have been less of a risk to insurance companies. Insurance companies, on average, pay out more money to cover damages as a result of male policyholders. Since they pay out more for men than women, they need to charge higher rates to men. Women will continue to get cheaper deals on their auto insurance in comparison to men unless the trend drastically changes. There is no specific reason that is linked to men getting into more accidents with greater damages than women, but rather a number of factors that may have an influence.
If you are a woman, you should feel good about the fact that you are able to save money on your car insurance policy. If you are able to follow the advice that was presented within this article, you should be able to get a pretty darn good deal on your policy. Remember that women aren’t being given the cheapest car insurance just because they are women. The reason that they are given better prices on their insurance is because statistical data collected by insurance companies demonstrates that men are a greater risk; this results in cheaper insurance rates for women.