Auto Insurance For Women

Reader’s Question:

I know I totaled my car a few years ago, and that’s why my auto insurance premium was higher compared to others. Then this jerk at the office said that women are more prone to auto-accidents, and that we ought to pay a higher auto insurance premium. Are we really more prone to accidents than men?

Milly

Richmond, Virginia

In the old days, the usual driver of any vehicle was a man. It was rare for women to be behind the wheel. Thus, there’s a lot more attention on a lady driver when she gets into accidents rather than men. It’s just numbers: because so many men were driving in the old days, no one was surprised when they got into an accident. When the rare lady driver gets into an accident, it’s immediately highlighted that the driver is female. That’s where the bias all started in the first place.

That was decades ago. Sure, some auto-insurance companies factor in gender when computing the premium you’re going to pay. But generally speaking, women nowadays aren’t more prone to accidents than men. In fact, younger men are more prone to accidents than younger women. If anything, it’s the younger men who pay a higher premium than younger women. As they age, however, the statistics smooth out until both genders have more or less the same accident rating.

You can slap this little tidbit of information in the face of your co-worker. That’ll teach him a lesson or two. Who knows? Maybe his manly, macho ego will get deflated a little.

Free Car Insurance Quote for Female Drivers

Reader’s Question:

My husband said that between the two of us, I should be the one to get car insurance because the premiums are lower for females. Is that true? Also, I need free car insurance quote to verify this. We live here in Nevada.

Holly

Las Vegas, NV

Standard car insurance premiums are fairly high, and it would help so much in your annual finances if you try to lower your car insurance rates as much as possible, especially since the country is under recession.

So, what your husband said was true in a way. This is because car insurance rates for male drivers are higher than that for females. The car insurance industry’s basis for this seemingly unjust pricing is that annual statistics that show a pattern that male drivers tend to be reckless, and they get into accidents, as well as make traffic violations, more often. The same goes for teenage drivers versus adult drivers, and city dwellers versus people from the countryside.

However, you may also be able to lower your car insurance premium through discounts.

You may have noticed that I said that your husband was right “in a way.” I said that because of what is known in the industry as bundling. You could also add him into your car insurance policy when it is being written, so that you may be eligible for multidriver discounts that are offered by some companies. Aside from multidriver discounts, also available are multipolicy and multivehicle discounts. So, depending on your personal profile, you may be able to lower your premium with the use of these discounts.

To end, your free car insurance quote may be asked from trusted car insurance companies there in Nevada. You could also search for Web sites of car insurance companies that have their offices located there in Nevada and avail of their free car insurance quote service.

 

Car Cheap Insurance For Women

Reader’s Question:

In my opinion, female drivers are not better drivers than males. But why are auto insurance rates for them cheaper than male’s rates?

John

Chicago IL

There are nice reasons and one of them is female file less claims than males. Figures shows that a male is more likely to file a claim and if a female driver files a claim, it is more likely to be a small amount compared to males.

Most females also want smaller vehicles which are inexpensive and low maintenance. Safety is also their first concern when buying a car compared to males who only want faster and bigger cars. Some males even modify their vehicle which makes it less safe. Cheaper car insurence rates are also offered to female drivers because they drive less and this makes them less prone to auto accidents. In most cases, male drivers drive longer distances than female, and if a female is going on a long trip, most females will look for a male driver to do the driving for them. Another reason is, female drivers tend to drive slowly and are more cautious or careful when it comes to getting in or out of parking spaces.

But what if all these advantages don’t make you content because you think your premiums is still not that reasonable? What should you do to make it even lower? The answer is to look for discounts you can be eligible for and take advantage of them.

For example, if you haven’t signed up in a defensive driving class, you’re missing a rough 5 to 15 percent discount. You can also reject different coverage so you can be sure your premiums will be reasonable. For example, remove the comprehensive and collision coverage if you believe your auto market value is smaller than your premium. You can also remove medical coverage if you think you have this coverage covered by your health insurance. Removing unwanted coverage can greatly lower your car insurance premium. You can try taking away rental and towing coverage and see how much you can save.

Is Female Driver Car Insurance Really Cheaper?

Reader’s Question:

Why is female driver car insurance cheaper than male driver car insurance here in Louisiana?

Berniece

Baton Rouge LA

Not only in Louisiana.

You would rarely find women wondering whether or not they can save with their car insurance. The fact is there is more money that can be saved on female driver car insurance as compared to the males. Why is this so?

If a male and female of the same age, with the same car model, maker and year made, plus the same credit history and driving history both applies for the same car insurance and at the same car insurance company, the female driver always get the lower rate. However, this is mostly applicable to women between the ages 16 and 25. It is believed that young female drivers are lesser prone to car accidents but as they age, the rate of road accidents between a male and a female tends to even out. Eventually, female driver car insurance will cost more.

So what exactly makes male drivers risky to insure? Men are not always wearing seatbelts. They drive faster at higher miles. They have a tendency to drink and drive which will lead them to violating traffic laws. The reasons for such are unexplainable. Psychologists would base these behaviors on young males’ coveted desires of impressing their peers, ultimate feeling of adrenalin rush and the impression of immortality that manifests in reckless driving and higher accident rates. But whatever the rationale behind, insurance providers have known these above mentioned details as facts and have created rates accordingly.

Females, on the other hand, get cheaper female driver car insurance because they are perceived by insurance providers as less aggressive and less likely to get involved in car accidents. They drive safer vehicles – especially among mothers who are safety-conscious when it comes to transporting their children. There may have been a few fallacies about women while driving such as constantly using the cellular phone while on the road or using mascara while driving behind the wheels. Whatever misleading notion there is, females get cheaper car insurance than males. And that is a fact.