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Guys Should Mimic Girls for Cheap Women?s Car Insurance Rates

Fellas – are you tired of the ladies getting all the best deals on car insurance? Ladies get a pretty good offer with cheap women’s car insurance companies offering severely discounted rates. However, the reason why cheap women’s car insurance exists in the first place is that women didn’t want to pay higher premiums for the mistakes of men.

The harsh reality is that cheap women’s car insurance is cheaper because women driver slower and safer than their male counterparts. It isn’t all doom and gloom though. If you aspire to compete with the women for the cheapest car insurance, there are a few things you can do to reduce your insurance quote.

First off, making your car “insurer friendly” is a good idea to attract the cheapest insurance rates. Being insurer friendly means having a vehicle which is not specially modified but is of normal manufacturer’s specifications. Spoilers, lowered suspension and fatter tires are a one-way ticket to more expensive car insurance.

Picking a car with a smaller engine will not only ensure that you slow down but will also give you cheaper insurance rates. Smaller engines cannot produce the same power as the larger engines which will mean you have a curtailed speed and acceleration whilst driving, two things that cheap women’s car insurance companies admire in their customers.

Keeping your car secure will also make it more insurer friendly. Most modern vehicles are fitted with immobilisers as standard but if your vehicle doesn’t have one then this can bring down your insurance. Parking your car off the road, preferably in a garage, will also improve the security of the car and reduce the chance of it being stolen or damaged accidentally.

Once you have made your car insurer friendly, it’s time to make yourself as appealable to insurers as possible in order to get the cheapest rates available. One way you can opt to make your car insurance cheaper is to increase the voluntary excess on your policy. By agreeing to pay more of the cost of repair should something go wrong, the insurer has less at stake, therefore offering cheaper rates.

Lastly, if you are really keen to get the same kind of rates offered by  cheap women’s car insurance providers, then the answer is to drive more like them. Slow down, be more defensive and rack up your no-claims bonus, that way you’ll soon be able to get very cheap car insurance.

Kim has extensive knowledge in all kinds of insurance.
She has written many articles on car insurance to help find the best deals available

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Compare Women?s Car Insurance to Find the Best Deals

By comparing different car insurance deals, a driver can save themselves up to £160 a year on their premium – no mean saving in the current climate. Women already get the best deals in the market, because female drivers pay around half the premium that a male counterpart would. According to the AA, they pay on average some £1,800, while men can expect to pay around £3,500.

This is down to a range of factors and chief among them is the simple fact that women generally make fewer claims and, when they do, they are for smaller amounts. Female drivers also tend to drive more cautiously, and attract fewer endorsements on their license and speeding fines as a result. Finally, cars owned by women drivers tend to have a lower overall mileage than men’s vehicles and mileage is one of the main factors for insurers when working out premiums.

Nevertheless, however good the deal for women generally, it is essential to compare women’s car insurance deals between different companies to ensure that you get the lowest possible premium. The Association of British Insurers (ABI) has said that drivers can save around 35 per cent on their insurance premium when they compare as few as five different providers and the more that a driver compares, the better chance of an excellent deal.

There are a host of companies which provide a comparison service but most of these charge for the privilege. However, independent, impartial and free services do exist and this is often the best way to  compare women’s car insurance without fear of commercial influence. In this way, a driver can compare what’s on offer from up to 40 different insurance providers – with more signing up every day – almost immediately and get accurate, up-to-date quotes straight away.

Once a driver finds a deal that is good for them, they also have recourse to a 14-day ‘cooling-off period’ in which the customer can cancel the policy. Some providers make a small charge for this but it is usually free and even if there is a charge, the freedom to cancel and take up a better offer can be very handy.

Kim has extensive knowledge in all kinds of insurance.
She has written many articles on car insurance to help find the best deals available

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Compare Women’s Car Insurance ? Why is it cheaper than Men’s?

In a straight comparison of like for like drivers, the fairer sex can expect anything up to £300 less on their car insurance which is almost beyond compare. Women’s car insurance benefits from specialist insurers which only deal with women drivers. The niche market is growing however, as insurers base their rates on pure statistical risk, and with women the fact is the risk is much less than with their male counterparts.

When insurers are weighing up how to price their car insurance, the factors they take into account will adjust the variable price. These factors include, the make of car, the age of car, the specification of the vehicle, the age of the driver, the geographic location but perhaps most importantly the sex if the driver.

Of all the variables, gender is one of the most important which determines the overall price when you compare women’s car insurance with men’s. Of course it isn’t a coincidence that women also tend to choose more modest cars with a smaller engine size and lower spec.

The cars which do not emphasise high performance tend to be ones which have more plentiful and cheap replacement parts, have cheaper labour costs to repair, and are easier to fix bodywork on. Taking these factors into account would make any car insurance cheaper, not just for females.

However, statistics show that when comparing the sexes, men tend to break the law a lot more often in their cars than women do. Approximately 90 per cent of all driving bans and convictions in Britain are attributable to male drivers, which speaks volumes to car insurers who are looking for careful drivers.

Although women have fewer convictions than men, the number of insurance claims that they make is roughly the same as men. What is interesting is that on average, when you compare women’s car insurance claims with men’s insurance claims, there is a huge discrepancy in cost.

Even when women do have accidents and make a claim on their car insurance, their costs are statistically much lower than when men claim. This is not only to do with the difference in cars that are driven, but also linked to the severity of the damage when men and women drive.

As a generalisation, women drive slower, safer and with more concentration than men, which is why they have fewer convictions but also why when they do have accidents the cost of repair is much less on

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