Car insurance for lady drivers

Posted November 28, 2009 – 10:37 am in: Autos

Car insurance companies prefer lady drivers to their gentlemen counterparts because they are considered as much less risky drivers. It is not that the accident rates of ladies are low. They face as many accidents as males do. Nevertheless, the damage wrought by them is not as much in most of the cases. So, their claims after the accident are also less. It is the main reason why on average women’s car insurance premiums tend to be lot lesser than those fo their male counterparts. You may learn more about online car insurance today and get your online car insurance quotes now.

They drive at speeds lower than men. Thus, accidents caused by female drivers are not very serious. So, even if they might claim as often as males do yet, in all they claim less amounts, giving insurers lesser premiums. Since male motorists prefer to drive at ultra higher speeds so even if they crash on their own, the loss is very high. In some cases, the accident involbes two vehicles in high damage state, it also becomes an insurance company’s dilemma. 

A lady is regarded to be a better risk right from the age of 17. There are many premium discounts available for a young lady driver, like pass plus certificate. It is a series of extra lessons that a young lady driver learns following their test. It will gain you a rebate of around 40% for te initial year.

Some car insurance companies specialise in auto insurance for women drivers. Literally, these companies try to insure women drivers only. They don’t even encourage getting a lady insured with her husband under combined policy. Because they can’t give too much discount, as they have to think about her husband’s high risk factors as well. So, they would prefer woman with woman. It means providing lesser risk in general, meaning lowered insurance premiums in general. That really clicks for them.   

So, the calculation is very simple - the lower premiums might meant that they do not make much profit. However, if they can get as many women as possible, then the volume of business can go high. Look for these online car insurance companies if you are a female. Lady car insurance quote includes legal cover as well. It helps you to claim back your excess from the third party in the event of a non-fault claim. You can further lower your premium by parking your car overnight in the garage, by getting extra driving license course, and maintaining a good driving record.

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