subject: The Best Car Insurance Options for Lady Drivers [print this page] Before giving you a quote for your car insurance a firm will ask you a series of questions to establish your likelihood of making a claim, with gender being a significant factor in the cost of your policy.
Figures show that women motorists in Ireland have fewer serious accidents than their male counterparts. This has long been the case and insurance premiums are adjusted to reflect this risk. Companies place higher premiums on policies for groups of people who tend to be more risky drivers.
However, there is new research being carried out all the time that could help you to pick the best policy for your needs. For example, although men generally pay more for their insurance because of their rates of serious accidents, women are more likely to be linked with low-impact collisions, such as those that dent paintwork. These tend to happen when the motorists are at locations where they are driving more slowly, like car parks and roundabouts.
Although accidents of this type do not normally lead to injuries they could still prove fairly costly, especially if claims are made to repair the owner's car. As well as gender, premiums also depend on many other factors, with the number of insurance claims made also taken into consideration. This means that motorists who approach their insurers for financial assistance in regard to repair bills are likely to see their premiums increase the next time their pay them.
Prangs and dents can be surprisingly expensive as bodywork experts are sometimes needed to fill them in and smooth them over. In order to cope with these bills, some lady drivers prefer to take out Comprehensive insurance, rather than Third Party Fire and Theft. This is because the former will also finance the repair fees for the other car you hit as well as your own.
Without this level of insurance, you would not get any funds to cover the damage you cause to your own vehicle, which if left could lead to rust and further problems. Many drivers like the peace of mind that Comprehensive policies bring, but the fact is that premiums will still increase if claims are made on them. To keep rates more affordable, you may like to consider buying policies from companies that allow you to build up a no claims bonus.
These are a great way to save money, as after a few years of being claim-free your premiums are reduced. An added plus point to many of these schemes is the option to protect them. This means that should you make a claim you do not lose this bonus and can still benefit from the lower policy price, which is the ideal solution for those who tend to have minor collisions.
The Best Car Insurance Options for Lady Drivers
By: Rochelle Martinez
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