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You may not be aware that females are very often given lower insurance premiums than males. It’s a proven fact that females, overall, are better drivers than their male counterparts and have far fewer accidents. Automobile insurance agencies are aware of this fact and, as a result, many of them are offering cheaper premiums for females.
It was proven in October, 2001 by the ASA that women are better drivers than men. Although it caused much controversy, a thorough investigation revealed that, overall, women really do make better motorists than do men in regards to driving habits, safety issues, and accidents. It was also found that women file far fewer accident claims, drive smaller, safer automobiles, and are much more careful when driving. Men drivers are seen as taking too many risks, driving at a higher rate of speed, and getting more traffic citations and speeding tickets.
Because of this investigation, more insurance companies have started offering reduced automobile insurance rates for women. You should always ask agencies if they offer reduced rates and if they do not, ask them why not. You can always point out to them the fact that the ASA proved that women drive more safely than do men.
Be sure to get the correct type of coverage for your specific situation. If you have a newer model car, opt for full comprehensive/collision coverage so that your valuable vehicle will be fully repaired in the event of an accident. If your car is older and not very valuable, you might want to go with liability or even third party fire & theft coverage. These types of policies are not nearly as expensive as full comprehensive/collision ones and your rates will be much cheaper. What you need depends on the age and value of your car. If you aren’t certain what you need, go on an insurance broker’s website and see if you can find helpful information there. Carefully consider the deductible you want and realize that you will have to pay that amount upfront should your car need repair as the result of an accident.
If you don’t know where to find auto insurance that is specially priced for female drivers, then go, once again, to a broker’s site and let them do your searching for you. Just let them know what you are looking for, what type of coverage you desire, and details concerning your car and yourself. They will scout around the Internet for you and offer you several different quotes.
Although not all insurance companies are offering specially priced rates for women drivers, many of them are so be patient throughout your research efforts and you will eventually find what you are looking for. Be sure to give the agency accurate information about yourself and your vehicle in order to ensure the best prices possible. Happy hunting! |
