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Womens cheap car insurance

В рубриках: Automobile | Автор: admin 13.08.2010

Womens Cheap Car Insurance

The jokes are nearly as old as cars themselves.  You know the ones about women drivers.  Of course the perpetrator of these jokes are man.  So why is it that across the board women’s insurance premiums for vehicle insurance is cheaper than for men?  One might suggest that it’s just a courtesy thing, but insurance companies haven’t stayed in business making courtesy gestures.  Their decisions for insurance rates are based on the numbers.  Could it be, statistically speaking, that women are better drivers?  
We aren’t here, though, to try to settle, or even engage in an old driving argument.  Instead we are concerned for how women can save even more on their already lower auto insurance.
Maybe we should start by asking why insurance is cheaper for female drivers?  The insurance industry sees women as less of a risk than they do men.  Women, therefore, are safer drivers.  They have to make insurance claims less often because they take fewer risks while driving and have fewer accidents.  Not only that, but the accidents they do have tend to be of lesser severity than man.  They are more scrapes and fender benders than major damage.
Finding cheaper auto insurance rates may be nothing more than looking.  When it comes to auto insurance, it does pay to shop around.  And shopping around has become much easier with the internet.  In a matter of minutes, on an insurance rate comparison website, you can be well on your way to finding the cheapest available auto mobile insurance.  Not only that, but some companies even offer a discount (up to 10%) for doing your insurance shopping online.
Men can even take advantage of the lower premiums offered to women.  You could take out the insurance policy in the name of the driver that is least expensive to insure (in this case, a woman) and then add the man as an insured driver under her policy.  That will likely be at least some cheaper than doing it the other way.
Here are some other ideas for getting cheaper premium rates.  First, make sure you have a good driving record.  That may mean just watching your own driving habit.  Don’t exceed the speed limit, don’t take risks, and allow ample time to get to wherever you are driving (so you won’t be rushing and taking risks).  A clean driving record can have a big impact on insurance rates.
Next, you can raise the deductible on your policy.  The deductible is the amount you will pay out of pocket should a claim be made.  This will lower you monthly rate, but be sure to have enough money put aside to cover your deductible amount should you be in an accident.
Finally, if you can go for an extended period without making a claim on your policy, you may qualify for a “no-claim” discount.  Check with your provider to find out if this discount is available and how long you must be accident free.
Just because insurance rates are less expensive for women, doesn’t mean you shouldn’t take full advantage of other saving ideas on your car insurance.

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