Insurance is considered as the field which is very common in the present world. In fact you will be getting a secure feeling by hearing the term insurance and there are many insurance companies in the world. You might be wondering on the presence of many insurance companies and this is mainly due to the demand exhibited by the people to insure almost all types of assets including the cars. There are many different types of insurance for all the sectors wherein auto insurance can be divided into many depending on various factors. You might be really wondering on the factors that are governing the premium amount for your auto insurance as you might not be able to compare this amount with any of your friends of family members. First of all the type of the vehicle is considered while calculating the premium amount that has to be paid on a monthly basis without any issues in case of all car insurance including the ladies car insurance. It is natural that all the fast high class cars are charged with high premium amount as the chances of meeting with the accidents are very high with the passage of time. The driving history of the driver is taken into consideration as it will help the insurance company to determine the mode of driving. It is usually said that women drivers are charged with less premium amount when compared to the men as they are using the cars very rarely in order to carry on with the task when compared with the men.