Cheap Car Insurance For Women
Females should pay less for their car insurance - that’s the consensus from specialist provider Sheila’s Wheels and it’s a claim backed up by some serious evidence.
According to the Home Office, male drivers have a drastically inferior driving record when compared to their female peers over the last five years. During this period, male drivers in the UK have accounted for 97 per cent of all car accidents involving death or bodily harm; 97 per cent of all dangerous driving convictions; 89 per cent of all drink driving convictions; 83 per cent of all speeding convictions; and 85 per cent of all careless driving convictions.
These enlightening statistics suggest women are the more competent drivers and a number of insurance companies attempt to reflect this by marketing their products exclusively towards a female audience.
Diamond, Ladybird and Sheila’s Wheels are among the female-only insurers on the market with the latter offering specially designed female-related features as standard such as handbag cover and a female-friendly network of repairers.
Nevertheless, despite these incentives, women should still shop around to ensure they’re not being short-changed by an attractive deal. Remember that all car insurance providers will offer females a quote and so there is no guarantee that the specialist will be the cheapest. In fact, statistics from a comparison website show that female specialists are often beaten by conventional providers on price.
Thankfully shopping around is no longer a painful task thanks to the emergence of comparison websites which offer females a chance to compare their car insurance online with like-for-like quotes from other companies.
In addition, there are several other ways for women to earn cheap car insurance. As women are most vulnerable to car crime, they should focus on security such as fitting an approved car alarm and parking in a garage overnight to drive car insurance costs down. Agreeing to a mileage limit if you only drive the car on the school run for example, is another great way to save.
Article Source: http://EzineArticles.com/?expert=Alex_Gregory
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Car Insurance - Why Women Get Better rates
You may get a number of lawsuits if you tried to discriminate on the basis of gender in many matters. However, it the men you get dealt the worse cards in car insurance. Insurance companies over years have established that women are lower risks to them. This is why they give them lower premiums.
1. The roughest drivers are usually male. Most dare-devil drivers are also male. Women are brought up to be graceful. This makes it more difficult for a woman to be rough and reckless on the road. Although some women may have such inclinations naturally, societal pressures reduce them. We, as a people don’t like our women rough.
2. Women average a lower mileage as a group since they are less likely to drive for long hours each day. In a family, it’s often the male drivers that take over for long trips.
3. Who insists on driving classics and rather large cars? You guessed right — The guys.
Insurers have built a database that shows the behavior of various profiles and women have shown that they’re a lower risk to insure for car policies.
That said, you’ll not get equal treatment from every insurer for your gender. Some go as far as to provide special products that will take care of you especially as a woman. This will translate to a lower quote all other things being equal.
It makes sense that you understand what you’re paying for. Therefore, ask the agent assigned to you what is covered in your policy and what is not. Make sure you read through and understand the terms and scope of coverage before signing the contract. If you are female and drive alone often, there are features like breakdown cover that you should give a lot of consideration when choosing your car insurance provider.
Savings in car insurance is not something that is reserved for women only. A man who does the tip I’ll give next will save much more than a woman (Who should normally had pay far less)…
Obtain quotes from online sites. Compare the quotes returned and pick the best offer. Visit at least three sites. Doing that will increase your chances of saving hundreds of dollars in your auto insurance.
Here are my favorite pages for auto insurance quotes…
InsureMe Auto Insurance Quotes
Hometown Auto Insurance Quotes
Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.
Chimezirim Odimba writes on insurance.
Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba