Insurance Blog

Women’s Car Insurance has been popping up each above the net and our TV screens lately. There’s a total fresh

class of insurers like Sheila’s Wheels and Cover Girl who offer car insurance for ladies simply. They promise decrease premiums for women drivers

since, they claim, it’s cheaper for them to insure women. Women are better drivers so a reduce risk, they say. They have fewer accidents, fewer driving

convictions and when they do have an accident, the repairs are commonly cheaper. So, is it really

correct, or is it simply another marketing gimmick?

The answer to the question is both yes and no. Women simply insurance companies are marketing to a specific niche – women drivers. Of course it’s a gimmick, but like

the best marketing gimmicks, it is based in fact. Here are the facts about women drivers and insurance:

-92% of driving convictions are handed out to men.

Those figures are changing, though, because women become more aggressive drivers. According to information gathered by the car insurance comparison

site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of woman drivers. That number is up from 4.8% of lady drivers

simply three years ago.

-Men drive differently than women.

A whopping 98% of dangerous driving convictions were handed out to guy drivers last year. According to every the research, men tend to be more forceful and

competitive behind the wheel than women, and that in nature leads to more accidents. Women tend to drive more slowly – usually within the speed

limits – and to drive shorter distances. All of those facts add up to fewer accidents that involve women. (So much for each those jokes about lousy women drivers. The

statistics say otherwise.)

-Insurance companies reimburse out less inside damages for policies taken out by women.

When women do acquire into an accident, they tend to be of the fender-bender scrape variety. Overall, Insurance companies have

always known that female drivers cost them less in payouts.

However, that doesn’t necessarily translate to the lowest premiums from companies that only insure women. In detail, many of them offer actual quotes that are higher than the rate you’d be quoted from a more generic motor insurance company. The

information is that despite the widespread sentiment that women drivers underwrite their extra pricey male counterparts by paying higher

insurance, most insurance companies offer reduce insurance rates to lady drivers since a customary section of doing business.

That’s not to say that you won’t acquire the greatest price from an insurer who simply insures women’s cars. The bottom line is the same

as it is using any other Auto Insurance choice. Shop around. Buy insurance rate quotes from a number of different

companies before you select on the policy that’s finest for you. Keep in mind when you’re comparing policies that you

should always compare like using like. Prefer on the specific cover up that you

decide previous to you start requesting quotes, and make sure that the rate you’re quoted includes every the cover you

need. It’s really the just way to be fully certain you’re getting the

finest cover up for your money.

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