Do Lady Drivers Pay More or Less for Their Car Insurance?

Do Lady Drivers Pay Less on Auto Insurance?
In general, no matter where you live, lady drivers pay less for their car insurance coverage than male drivers. Compilations of statistics related to female versus male drivers and accident claims indicate that women are less likely to cost the insurance company lots of money. Therefore, many insurers offer cheaper car insurance to female drivers.

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Lady Drivers Purchasing Car Insurance from Specialised Insurers

Women who purchase their car insurance coverage from specialised insurers can often obtain cheaper auto insurance rates. Since the insurer elects to provide motor vehicle insurance for ladies only, his costs are typically lower than that of insurers who provide insurance for both males and females. However, it is important to shop around for the cheapest prices since these circumstances can change, depending on the insurer.
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Lady Drivers Purchasing Car Insurance Online

Whether you are a man or a woman, purchasing car insurance online is often cheaper than purchasing car insurance coverage in person or on the phone. It is a good idea to read all pertinent information prior to signing up with any insurer.
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Claims for Lady Drivers Versus Male Drivers

A number of studies have come up with statistics that back up the statement that lady drivers place claims that amount to lower costs for the insurance companies. Typically, lady drivers place minor claims whereas male drivers place major claims. Minor claims include those that involve scrapes, bumps, small scratches. Major claims typically involve greater body damage. These statistics come from studies comparing men and women across the same age groups.

Several studies have also indicated that women tend to drive at slower rates than men on the average. Of course, there are exceptions to every rule and some women will drive at faster rates than some men. In general, when an accident occurs at a slower rate of speed, the damage involved is less severe.

Motoring convictions and incidences of drink driving occur less frequently with lady drivers as well. Due to these findings, it is cheaper to insure lady drivers than it is to insure male drivers.

Some studies indicate that women tend to submit fewer claims than men as well. Perhaps this is due to the fact that women often drive at slower speeds, drive less frequently, or drive shorter distances. Therefore, they are less likely to be involved in an accident.
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Taking a Defensive Driving Course

Completing a Defensive Driving course typically leads to greater savings on car insurance premiums for lady drivers. Many insurers provide a discount to women who have passed this course successfully.
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Getting Car Insurance as a Female Student

For quality car insurance, female students should look for an insurer that specialises in providing car insurance to students. Students are known to have different driving habits than experienced drivers. Plus, female students are generally placed in a lower risk category than male student drivers, so their insurance premiums are generally a bit cheaper.