Women’s car insurance has been popping up every higher than the net and our TV screens lately. There’s a whole fresh

class of insurers like Sheila’s Wheels and Cover up Girl who offer car insurance for ladies just. They promise reduce premiums for women drivers

because, they claim, it’s cheaper for them to insure women. Women are greater drivers so a decrease risk, they say. They have fewer accidents, fewer driving

convictions and when they do have an accident, the repairs are generally cheaper. So, is it in fact

factual, or is it only another marketing gimmick?

The answer to the question is both yes and no. Women just insurance companies are marketing to a specific niche – women drivers. Of course it’s a gimmick, but like

the greatest marketing gimmicks, it is based inside reality. Here are the facts about women drivers and insurance:

-92% of driving convictions are handed out to men.

Those figures are changing, though, since women become more aggressive drivers. According to statistics gathered by the car insurance comparison

site confused.com, 16.8% of guy drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers

simply three years ago.

-Men drive differently than women.

A whopping 98% of dangerous driving convictions were handed out to male drivers last year. According to every the research, men tend to be more forceful and

competitive behind the wheel than women, and that purely leads to more accidents. Women tend to drive extra slowly – usually within the speed

limits – and to drive shorter distances. All of those facts add up to fewer accidents that involve women. (So much for each those jokes about lousy women drivers. The

statistics say otherwise.)

-Insurance companies reimburse out less inside damages for policies taken out by women.

When women do buy into an accident, they tend to be of the fender-bender scrape type. Overall, insurance companies have

still known that lady drivers charge them less in payouts.

However, that doesn’t necessarily translate to the lowest premiums from companies that only insure women. In reality, several of them offer actual quotes that are over the rate you’d be quoted from a extra generic motor insurance company. The

fact is that despite the widespread sentiment that women drivers underwrite their more pricey male counterparts by paying higher

insurance, most insurance companies offer reduce insurance rates to female drivers because a customary part of doing business.

That’s not to say that you won’t buy the greatest price from an insurer who simply insures women’s cars. The bottom line is the same

since it is with several other auto insurance decision. Shop around. Get insurance rate quotes from a number of different

companies before you prefer on the policy that’s best for you. Keep in mind when you’re comparing policies that you

should always compare like using like. Decide on the specific cover that you

desire before you begin requesting quotes, and make sure that the rate you’re quoted includes each the cover you

need. It’s in fact the only way to be fully certain you’re getting the

best cover up for your money.

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