Car Insurance For Women

Statistics show that women are better drivers than men. Male drivers account for over 92 percent of UK driving convictions. Women get cheaper car insurance because they make fewer claims and drive fewer miles annually. In addition, they do not get as many speeding tickets as their male counterparts. If you are looking for cheap car insurance in the UK, you should know that women pay on average £150 less for coverage than men.

Insurance companies have a more positive attitude towards female drivers, offering them cheaper policies. Women tend to buy less expensive cars with smaller engines. They are safer drivers than men and get fewer moving violations. Studies indicate that most women avoid driving in bad weather conditions, which reduces their odds of having a car accident. But not all car insurance providers have cheap policies for women. Therefore, it is advisable to shop around and compare multiple auto insurance quotes from different companies.

Factors That Affects Your Car Insurance Rates

Car insurance providers generally use government released figures to calculate rates for specific groups of drivers. However, there are many other factors that affect your premiums. Women who drive convertibles and sports vehicles pay more on car insurance than those with SUVs and minivans. If your vehicle is in poor condition, you will get higher rates. Before you buy coverage, make sure your car is well maintained.

The driver’s age is one of the main factors based on which auto insurance companies determine your rates. The older you are, the less you will pay on auto insurance. Women who maintain a good driving record are perceived as low-risk clients and obtain cheaper coverage. Female drivers who live in large cities are charged higher premiums compared to those who live in suburbs and rural areas.

A good credit rating can almost guarantee you cheap coverage. This is because insurance companies have more confidence in drivers who have a good credit score. Having a safe car can lower the risk of theft and help you obtain lower rates. It often pays to fit your vehicle with an anti-theft alarm and other safety devices.

Buy Car Insurance Online

Take the time to compare auto insurance rates from at least three different companies. Many drivers use quote comparison sites to calculate their car insurance rates and compare policies from national and local insurers. These websites generate dozens and even hundreds of car insurance quotes within minutes. All you have to do is to complete a brief form with accurate details such as your age, driving record, occupation, zip code, and type of car.

When comparing car insurance quotes online, you will see that there are many companies selling insurance products for women. Make a list of insurance providers with a strong financial background, search for customer reviews, and ask about the current discounts. Make sure you visit CarInsuranceComparison.co.uk to get cheap auto insurance quotes from top rated companies. This quote comparison website works with the most trusted insurance providers to bring you affordable coverage for female drivers.

At CarInsuranceComparison.co.uk, you can compare multiple quotes in a matter of minutes. You no longer need to visit several websites to obtain car insurance quotes. This site not only provides free insurance quotes, but features online comparison tips, insurer contacts, and informative articles about car insurance. Customers have access to an insurance glossary, a savings checklist, and an accident checklist. They can also read about the minimum coverage requirements in the UK and find out more about the discounts that are being offered by insurers.

Evaluate Your Options

The type of coverage you choose will have a major impact on your car insurance rates. Before you start shopping, check the minimum coverage requirements in the UK and then evaluate your needs. Most insurance companies sell comprehensive and third party coverage. Car owners can also opt for third party fire and theft insurance, GAP insurance, and pay-as-you-drive insurance. At CarInsuranceComparison.co.uk, you will receive free car insurance quotes for each type of coverage.

Third Party Insurance

As its name suggests, this type of insurance covers any damage or injury to other people, vehicles, or properties in the event of a car accident for which you are responsible. Third party insurance does not cover you or your car. This is the least expensive type of coverage for female drivers. Third party, fire and theft insurance provides third party cover and pays for damage to your car by theft or fire.

Fully Comprehensive Insurance

If you drive a new car, consider buying comprehensive coverage. This policy pays for any damage caused to an insured vehicle by fire, wind, flood, hail, theft, and vandalism. Comprehensive coverage costs 15 to 25 percent more than third party fire and theft insurance. This type of coverage is usually required for all cars valued at more than 5,000 pounds.

Gap Insurance

This policy will pay the difference between what your car is worth and the current outstanding balance on your loan. If you have a loan or a lease, GAP insurance is an excellent option. Before deciding to buy GAP insurance, make sure you are not already covered by your current policy.

Ways to Save Money on Car Insurance

The best way to get cheap car insurance for women is to apply for as many discounts as possible. Most insurance providers don’t advertise the discounts they offer, so make sure you ask about these special offers. Some companies offer discounts to female drivers who park their vehicles in secured areas overnight. If you haven’t had any car accidents in the last years, you will obtain lower rates. For extra savings, join an auto club and complete an approved driving course.

Increasing your deductible and paying your bills online can help you get massive discounts. Try to keep your mileage low and use public transportation more often in order to save money on car insurance. Since most insurance companies offer special bonuses and discounts to those who buy coverage through their websites, go online and shop around for the best deals out there.

Currently, British car insurers calculate premiums based on statistics showing which drivers are more likely to have accidents or make big claims. Since women drivers statistically are considered to pose lower risks, they enjoyed lower premiums than their male counterparts. A new ruling now says that gender cannot be a consideration when calculating premiums. This means that women drivers under the age of 26 could face an increase in premiums of up to 25% by 2012.

Just because the law is all set to change, it does not mean that women drivers cannot find cheap insurance. It is a well-known fact that women drivers take fewer risks and make fewer claims. Additionally, even when they do make claims, they are usually just for minor road accidents.

Part of the reason for this is that women drive shorter distances than men. This reduces the chance of a crash and also keeps the mileage down to a minimum, which translates to lower premiums.

Another reason why women drivers are able to get lower premiums is because drunk driving incidents among women are lower than men. When individual women drivers show the insurance company that their driving record is clean and they have not made any major claims in the past, they will still be entitled to cheap rates.

The best way to find the cheapest insurance is to compare prices online. A good place to start is www.carinsurancecomparison.co.uk, where it is possible to compare quotes from the largest insurance providers in the country by just filling one form. It is not just about comparing prices, it is also about comparing policies so one knows just how much coverage one is getting.

Women drivers in the UK undoubtably get cheaper insurance - due to the smaller amount of incidents on the road caused by Women

Also do not just consider companies that solely provide women’s car insurance. While it may seem like these companies provide the cheapest insurance, it is not always the case. They often add extras at nominal costs, like handbags, push-chair or car seat covers to attract customers, however, these extras may not be useful for everyone. So the policy ends up being more expensive. It is better to use www.carinsurancecomparison.co.uk. This website compares prices of all types of companies and not just those exclusive to women to come up with truly cheap rates.

There are several things one can do to further reduce the cost of their premiums. First thing is to seek out companies that offer discounts for shopping online or purchasing multi-car insurance. Ask for “no claims bonus”, as a number of companies return some of the money paid in premiums if no claim is made for a certain number of years. Initially, this amount can be as high as 25% of the premium amount, and keeps increasing as the number of years without claims increase.

Some of the things that should be considered when in the market for a car insurance policy should include the following:

• the type of policy, third party, comprehensive, etc.
• additional services provided in the policy like legal cover, lock replacement, overnight accommodation, courtesy rentals and amount of no-claims bonus
• the number of years before one becomes eligible for no-claims bonus
• the discount that the insurance provides are relevant to individual needs or not.

Paying higher excess (the amount the policy holder pays out of pocket before the insurance company pays the remaining amount) helps to reduce the cost of premiums. Buy only the amount of coverage that is absolutely needed. Buying the minimum legal amount required may be a good idea if one has an old car and not much loss will be incurred if it is involved in an accident. If, however, one has an expensive car, then getting it repaired after an accident will be costly and a comprehensive coverage will be more appropriate.

While many insurance providers allow clients to make partial payments throughout the year, it is better to make a lump sum payment annually as it is usually cheaper to do this. But check to make sure that there is enough of a saving to justify the single payment.

Another way for women drivers to save money is by investing in anti-theft devices. This reduces the chances of car theft, so insurers are willing to lower premiums. Just make sure the insurance company knows about the devices, so premiums can be calculated accordingly. The less one drives, the lower the chance of accidents and cost of premiums. Make sure the insurance company knows if you only plan your car sparingly as this will affect the premiums significantly. Carpooling or using public transport will not only cut down on fuel costs, but also insurance costs.