Cheap Car Insurance for Women Drivers

Cheap car insurance for women drivers is just as important as it is for their male counterparts. And with more and more women remaining single longer, the need for appropriate car insurance policies for them is greater than it’s ever been. Fortunately, finding great rates on a good policy isn’t hard to do if you know it looking for. It’s simply a matter of looking around and learning to encourage car insurance companies to compete for your business.

Finding cheap car insurance for women drivers starts with having a little bit of industry knowledge. To begin with, were you aware that women are statistically less likely to be involved in serious auto accidents than men? They are, with the exception of a few select groups of women. That’s why when a husband and wife are included on the same policy the declaration pages show different rates for each one. The rates for the husband are typically 20% to 30% higher at minimum.

Cheap Car Insurance for Women Drivers

The same is true when it comes to teen drivers just beginning their careers behind the wheel. Young males between the ages of 18 and 25 can pay up to four times as much as young females in the same age group. What’s the reason for this? Once again it’s in the statistics. Numbers from the U.S. Highway Safety Administration clearly show that young, male drivers in this age group are responsible for the largest share of serious and fatal car accidents on America’s roadways. Females in the same age group are not involved in nearly as many.

Finally, one last bit of information you need to know is that married women are considered more stable and responsible than single women. If you’re still single you’ll have to work a little harder to make sure you get the cheapest car insurance.

Shopping Around

The key to cheap car insurance for women is to shop around just like you would anything else you plan to purchase. This includes contacting multiple insurance companies and asking for written quotes. Some companies will immediately respond with a quote in your e-mail while others will want to call you and talk to you first. Regardless of the method, you need multiple quotes in order to compare policy details and get the best deal.

While you’re asking for quotes be sure to inquire about any discounts you might be available for. All drivers are potentially eligible for at least one or two discounts; women might be eligible for a few more based on their current life circumstances. For example, one insurance company might offer a discount for single mothers trying to get an education while supporting their children. Unfortunately, you’ll never know about such discounts unless you ask.

Family Policies

For married women who are included on a family policy, getting the best possible rates means taking advantage of your sex. For example, multi-car policies list different drivers in the same household as being the primary operators of those vehicles. But if your vehicles have significantly different repair or replacement values they will also have different rates attached to them. By assigning the wife to the more expensive car and the husband to the less expensive car, the family will be getting the best overall price on their policy.

Keep in mind that even when you do find the most affordable car insurance you’re not required to stick with it for the rest of your life. If you can find a better deal at renewal time tell your current insurance company what you found. If they refuse to do better than you’re free to switch to the other provider.

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