subject: Girls get the best deal behind the wheel [print this page] Whether men think so or not, statistically women are better drivers! They also tend to drive a lower annual mileage than men.
Therefore, the insurance companies will generally make auto insurance for women cheaper than the same policy for a man. Female drivers have fewer accidents than men, do not get as many speeding tickets, and get fewer moving traffic violations. Accidents involving women drivers tend to be less serious because women are more likely to be wearing a seat belt and driving more slowly.
Since insurance is all about risk, and the lower the risk calculated by the insurance company, the lower your premiums are going to be.
So, starting with the knowledge that the premium for auto insurance for women is going to be cheaper, how can you make it cheaper still?
Here are a few ideas:
Consider what level of deductible you can afford this is the amount you would have to pay in the event of a claim. The larger the deductible, the lower the premium so if you agree to increase you deductible to say $1000, the premium will reduce dramatically.
Think about the level of liability insurance you can afford. The compulsory minimum varies from state to state. If you take out only the minimum, it will reduce your premium, but if it is insufficient to meet the costs of an injured third party in an accident, you could get sued for the rest of the money.
Ask for discounts if you have a good driving record, multiple cars, other insurance policies with the same company, a safer vehicle with immobilisers or air bags, satellite tracking, you are a non-smoker or senior driver.
If your vehicle is kept in a garage rather than on the street overnight premiums can be lower.
When you change your vehicle, choose one with a lower insurance rating.
Drive fewer miles per year it may be possible, and could be healthier and more environmentally friendly. It will certainly lower your insurance premium.
Most important when looking for auto insurance for women is to shop around. Get quotations on-line from a minimum of 5 and possibly 10 insurance companies or use a price comparison web site. Go to your current insurer last, armed with other quotes and see if you can negotiate a better deal if you remain with them. They don't like losing loyal customers.
There are some companies that specialise in Insurance for women. Make sure you try them, but don't be surprised if they are no more competitive than the other Companies on your list.
Remember, the golden rule the safer the driver, the safer the car, the lower the cost of auto insurance for women or men!
Girls get the best deal behind the wheel
By: David Turner
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