A Guide To Women’s Car insurance

Car Insurance WomenThese days it is extremely easy to obtain affordable insurance deals for women. This is mainly because the premiums for women are significantly lower than a man’s premiums. This will continue until a woman becomes around forty-five years old.

After the age of forty five, the driving statistics for both men and women level out. Because of this, the driving premiums will be around the same.

There are many different statistics that are used when determining the price of premiums. The following statistics are examples of why a woman’s car insurance will be cheaper than a man’s.

  • More than 92 percent of driving offences in the United Kingdom are made by men.
  • Around 98 percent of all convictions for dangerous driving are made by men.
  • Women are known to drive more carefully and more slowly. In addition, more women are known to drive very short distances.
  • Although women may have as many accidents as men, they tend to be not as serious as other accidents.

Car Insurance for Teenage Girls

Because teenage girls rarely have any experience in driving, the statistics show that teenage girls are more likely to get into an accident. Teenage girls are completely new drivers. Statistics show that teen girls are more likely to have an accident within their first two years of driving than they are in the rest of their lives.

One in five teen drivers will get into an accident as well. These statistics likely cause the car insurance premiums to be extremely expensive. In most cases insurance companies will not provide teenage girls with a quote.

Car Insurance for Women over Fifty

If you are a woman who is over fifty, you will likely be rewarded for your years of driving experience. Like the statistics for teenage girls, your statistics will show that you are less likely to become involved in an accident. Since there is a lower risk you will be able to enjoy cheaper car insurance. In addition to the cheap car insurance, you can probably take advantage of no claims insurance discount. Since you have years of experience it is likely that you will not file a claim for many years to come. This is why it is important for you to protect your no claims insurance discount. In addition, it may help you if you check your mileage annually. Your mileage will affect your premium and you do not want to pay more when you could be paying less. Another thing that could help you keep cheap car insurance is to avoid adding any young drivers to your policy. If you do so, your policy will rise significantly.

Car Insurance for Women Under 25

Since you are neither an older woman nor a teenager, you will be stuck in the middle. However your statistics are very moderate. Your insurance will still be cheaper than a man’s car insurance. Although statistics prove that younger men and women file the most claims, your premium will still be affordable.

There are a lot of car insurance companies that offer their services only for women. Although it may be smart for you to take advantage of these services, you will still need to make sure that they accept younger drivers. Another thing that could help you keep cheap car insurance is to consider your car’s value. The value of your car will affect your car insurance. In addition, make sure that you do not add any modifications to your car without talking to your insurance company first.

Tips on Getting Cheaper Car Insurance For Female Drivers

One major tip on getting cheaper car insurance involves getting a car with a small engine.

If this is not possible, then you may want to consider getting a car with a low insurance group. If you have just passed your driver’s test, you may want to consider getting your own insurance policy as opposed to your parent’s policy.

This could help you build up a no claims discount which will be worth a lot in the future.